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Could a Merchant Cash Advance Be the Answer to Your Cash Flow Needs?

Your Business Cash Flow

Contrary to what many business owners assume, a merchant cash advance is not a loan. Essentially, this financing options allows you to secure immediate cash in exchange for your business’ future credit card sales receipts. You are selling the revenue of your future credit card sales to secure an immediate payment for your business working capital needs.

Many seasonal businesses and those that experience cyclical sales turn to merchant cash advances. Business types and industries that are considered high risk also turn to this financing option; merchant cash advances are often offered by high risk specialists like These providers understand the challenges high risk businesses face and tailor their cash advances to meet their needs.

How does this cash flow solution work?

Merchant cash advance repayment is typically broken down into weekly payments. In many cases, the lender will draw the payment directly from a business’ bank account rather than its merchant account associated with credit card transactions. These payments are based on sales, along with other factors. Because of this, borrowers with poor credit can access them – even when they are unable to obtain a traditional loan.

With, merchant cash advance approval is based on business performance, rather than personal credit, time in business or financials. You can have money in your bank in as little as 72 hours, and you can renew your advance once 50 percent of your balance is paid down. FAM’s payment is a percentage of your daily sales, so if you have a slow month, you pay back less. If you have a good month, you pay back more. This flexible structure has made cash advances an affordable and attractive option.

The biggest benefits of a merchant cash advance

Merchant cash advances come with a unique set of benefits. When used correctly, it can be an effective tool for maintaining healthy cash flow. Here are a few of the biggest benefits:

  • Quick cash. Merchant cash advances can provide the fast funds your business needs when you need cash the most. You receive a lump-sum payment immediately.
  • Easy to qualify. Cash advances are known for being much simpler to apply and qualify for. No tax returns or financials required, no extensive documentation and no complicated contracts.
  • Fast approval process. The application process can be completed in a matter of minutes online, and you can have the capital you need in as little as 72 hours.

When you partner with the team at FAM, you gain a large network that ensures you have the best options available to you. FAM has the best approval rates in the business, approving merchants that find it hard to get approved elsewhere. Quickly and easily get a merchant cash advance you need to secure an influx of capital to boost your business’ cash flow.