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What is a Merchant Cash Advance?

Merchant Cash Advance (MCA) is a financing option for businesses, providing quick access to capital based on their future credit card sales. Rather than a traditional loan, an MCA provides a lump sum up-front, which is then repaid through a percentage of daily credit card transactions. This flexible repayment structure aligns with a business's cash flow, offering a tailored solution for merchants seeking short-term funding without the constraints of fixed monthly payments.