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Small Business Merchant Funding

The rise of alternative lenders has made it so much easier for small business owners like you to obtain the necessary working capital. This article is about merchant funding, specifically, a merchant cash advance (MCA) and where you can get it without challenges.

Merchant Funding: Merchant Cash Advance (MCA)

What’s the concept behind an MCA? It’s simple. The provider advances you funds that you’ll need to pay back over time based on your business sales. Importantly, an MCA isn’t a loan: it’s just a sale.

Namely, you get an opportunity to effectively pre-sell your future debit/credit card sales at a discount. The latter is like an interest rate: only, in this case, it’s known as a factor rate. When applying for merchant funding, you should take the time to find a respectable provider like

FAM is an award-winning business financing provider and processor specializing in the high risk field. Besides, FAM carries an A+ rating with the Better Business Bureau (BBB). Today, you can find a large number of MCA providers: go for a trustworthy one. Consider applying to FAM.’s cash advance is highly popular among small business owners thanks to the exceptional terms and rates offered. FAM goes above and beyond to make it simple for merchants to gain access to cheap working capital. is committed to creating solutions geared to your own specific business needs and building a deep working relationship.

With FAM, you can enjoy:

  • Transparent and hassle-free application process
  • Programs geared to your own needs and financial resources
  • Speedy approval knows your high risk business best of all and is focused on helping you succeed.

Merchant Cash Advance: Benefits

In general, an MCA is a go-to option for hard-to-approve merchants. That’s the reason why bad credit merchants consider it a “last resort” for their struggling businesses. In fact, an MCA doesn’t require you to have an excellent credit score or many years in business. As for the repayment mechanism and the schedule, it isn’t tied to a calendar date.

FAM’s popular merchant cash advance offers:

  • Approval of credit scores below 500
  • Funds after 72 hours from your application
  • Flexible programs without any complexities
  • No tax returns or financials

So, thanks to an MCA, you can get working capital in exchange for a percentage of your future sales. Repayment is flexible based on your credit/debit card sales.