Merchant Cash Advance

Unlike traditional business loans with fixed monthly payments, a merchant cash advance provides upfront funding in exchange for a percentage of your future credit card sales. This creates a flexible repayment structure that automatically adjusts based on your business performance. MCAs use factor rates instead of interest rates and typically don't require collateral. They're generally easier to qualify for than traditional loans, especially for businesses with less-than-perfect credit.

One of the main benefits of an MCA is the speed of funding. At Tariff Business Loans, we can typically provide funding within 24 hours after approval. The entire process from application to funding often takes just 1-2 business days, making MCAs ideal for urgent business needs or time-sensitive opportunities. The exact timeline depends on the completeness of your application and the responsiveness in providing required documentation.

Repayment is typically handled through automatic deductions from your daily credit card batches. We'll work with your credit card processor to set up a split withholding, where an agreed-upon percentage (usually 5-20%) of your daily credit and debit card sales is automatically directed toward repaying your advance. This means on days with higher sales, you'll pay more, and on slower days, you'll pay less—creating a repayment structure that works with your cash flow rather than against it.

Yes, merchant cash advances are more accessible for business owners with less-than-perfect credit compared to traditional loans. Since MCAs are primarily based on your business's sales volume and cash flow rather than credit history, they're a viable option for many businesses that might not qualify for conventional financing. While we do consider credit scores, we place more emphasis on your business's recent performance and credit card processing history when making approval decisions.