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Growing your small business on your own can be very difficult without access to additional business funding. One of the most common ways to raise working capital for your business is through a business loan. A business term loan offers a set maturity date and a potentially low fixed cost of repayment, with terms usually ranging from 6-60 months. Additionally, CapitalFront can offer a fixed term loan to consolidate outstanding debt, including multiple cash advances, into one simple, lower cost and easy to manage payment.
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is not a loan. It is a purchase of a fixed dollar amount of a business’s future credit and debit card receivables. The Merchant Cash Advance provider purchases a specified dollar amount of your business’ future debit and credit card sales at a discount. Your business, instead of paying one large fixed monthly payment until a set maturity date like a loan, remits a fixed percentage of its daily debit and credit card revenue automatically until the specified amount of purchased receivables is remitted in full to the MCA provider.
CapitalFront can provide Merchant Cash Advances in amounts ranging from $10,000-$1,000,000, and in many cases the funds are available to you within 3 days of approval.
Advantages of a Merchant Cash Advance:
Unlike a Merchant Cash Advance, an ACH funding allows businesses without significant credit card activity to access working capital centered on their cash flow.
Similar to an MCA, this is the purchase of future receivables. In this case, the future deposits of the business. Funding is based on the aggregate cash flow through the businesses operating accounts. Repayment is made by automated electronic debits (ACH) over specified terms. This allows businesses to use future cash flows to obtain the working capital they need to grow now.
ACH fundings are available from $10,000-$500,000.
If you’re planning to start a business or expand an existing business, you might need financing help. SBA participates in a number of loan programs designed for business owners who may have trouble qualifying for a traditional bank loan.
CapitalFront offers SBA loans in amounts ranging from $30,000-$350,000.
Do you own the building from which you operate your business, or would you like to? CapitalFront can help you purchase or refinance a commercial, mixed-use or multi-family property. Loans are available nationwide, with amounts from $75,000 up to $5,000,000, with very reasonable terms.