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Get Merchant Loans for Your Business

If you need additional working capital that can help you start your business and keep it running, expect to find more than one option. Since merchant loans and a merchant cash advance (MCA) come with several differences, this article will tell you about them in detail. As a result, you’ll figure out which option can best fill the gaps in your cash flow or serve for other purposes.

Merchant Loans & Merchant Cash Advance (MCA)

When shopping around, you’ll find a variety of loans available to business owners, including short and long-term loans, secured and unsecured loans, and lines of credit. What about a merchant cash advance?

For many small business owners, a short-term loan is the most suitable option to go for. Only, merchant loans, unlike a merchant cash advance, require you to have a strong credit profile. An MCA has less stringent requirements and is a perfect choice for high risk merchants. One of the best advantages of an MCA is the quick access to the necessary working capital merchant so often need.

Be aware that an MCA isn’t a loan as many think: it’s just a sale. The provider advances you some cash, taking into account your future credit card sales. Funds can be deposited into your business checking account in as quickly as 24 hours after approval.

Even though the rates are higher as compared to other funding options, that’s with good reason. Thankfully, there’re respectable merchant cash advance providers like that offer the lowest possible rates and the best possible terms to both low and high risk merchants.’s Popular Cash Advance

FAM is an award-winning high risk business funding provider and processor that’s rated A+ by the Better Business Bureau (BBB). When applying to FAM, you’ll need to show a monthly minimum amount of $5.000 in credit card sales.

FAM doesn’t require a lot of paperwork and approves merchants without any hassle or lengthy application processes. Instead of focusing on excellent credit, FAM is more interested in your 2-3 months of sales and revenue history. No need to worry even if your credit score is lower than 500.

Without access to sufficient funds, you can’t be sure your company’s operations will function well. Working with a reputable funding provider, you can find out which option is best for your company.