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The Reality: Bad Credit Cuts You Off from Affordable Capital Credit score requirements create a two-tier financing market. Businesses with FICO score...
The Construction Cash Flow Gap Construction is one of the most cash-flow-intensive industries in existence. The fundamental challenge is timing: you...
Why Your MCA Contract Matters More Than You Think An MCA contract — formally called a "Merchant Agreement" or "Future Receivables Purchase Agreement"...
What Is a Factor Rate and How Does It Differ from an Interest Rate? A factor rate is the multiplier used to calculate the total repayment amount on a...
The Fundamental Difference: Purchase vs. Loan Before comparing costs and terms, it is important to understand the structural difference. A business l...
Why Restaurants Face Unique Cash Flow Challenges Restaurants operate on some of the thinnest margins in any industry. Net profit margins for full-ser...
The Seasonal Business Challenge Seasonal businesses may generate up to 85% of their annual revenue within a few peak months. Retail stores can earn 1...
Cash Flow Is the Number One Business Killer 82% of small businesses that fail do so because of cash flow problems, according to a widely cited U.S. B...
A Rapidly Changing Regulatory Landscape The MCA industry operated with virtually no state-level oversight until 2022. Today, 10 states require some f...
The Trucking Payment Problem Standard payment terms from freight brokers and shippers run 30, 60, or even 90 days after delivery. Meanwhile, fuel cos...
What Is a Merchant Cash Advance? A merchant cash advance (MCA) is a financing option where a business receives a lump sum of capital in exchange for...
What Is MCA Stacking? MCA stacking refers to taking multiple merchant cash advances simultaneously from different providers. Each advance carries its...
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