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Merchant cash advances, explained

The product most of this audience is actually offered, and the one with the most terms worth understanding before you sign anything.

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08 guides

How repayment works
Fixed daily ACH or a share of card sales — and they behave very differently.
If your sales drop
Reconciliation is the clause that decides this, and it is often discretionary.
Taking a second advance
Legal, common, and the fastest route from a hard month to a closed business.
Is it actually a loan?
Structured as a purchase of receivables, which is why usury caps rarely apply.
Confessions of judgment
You waive your right to defend yourself before any dispute exists.
Advance vs loan
The loan is cheaper. The question is whether you can get one.
No card sales?
Yes — most advances now underwrite bank deposits, not card settlement.
If you default
The personal guarantee and the UCC filing are what actually bite.

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