Merchant Cash Advance (MCA)

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Funding Amount


Funding Term

     3-18 months

Time to Funds

     Up to one day

Interest Rate

     One time cost for funds

You could receive your capital today.

You get a lump sum in exchange for a percentage of future sales. The funds can be used for business expansion, regulating cash flows, product development or any number of business-related expenses.

What Is a Merchant Cash Advance?

An MCA is structured by way of scheduling to withdraw a percentage of every credit card batch run by your business until the advance is repaid. This is only offered to merchants that process credit cards in higher amounts, and is also referred to as a credit card split. How often you batch out if how many times the batch is split.

Why Get a Merchant Cash Advance?

Businesses can benefit from a cash advance because it is very flexible. A set percentage is deducted from daily credit card sales until the premium is met. The amount you remit is contingent upon your cash flow so, unlike other financing options, it is adaptable to the seasonality and unpredictability of real-world business. With a Merchant Cash Advance there is no concrete due date or fixed remittance schedule. So, if traditional lines of credit have been unsuccessful or you need a faster, more flexible financing option, a Merchant Cash Advance is a viable option. Fill out our application to see which option best suits your business needs.

How Can a Cash Advance Help My Business?

First and foremost, BizLender is not a bank and our funding differs from that of a traditonal bank. An advance is an amount of money funded based on future receivables. BizLender funds short-term, non-secured advances to business owners based on their anticipated credit card statements or merchant deposits. Business Cash Advances (BCAs) and Merchant Cash Advances (MCAs) are used when a business needs liquidity and is unable to get a line of credit or traditional bank loan.


Can I Apply For a Merchant Cash Advance or Small Business Loan Even If I Have Bad Credit?

Although the underwriters do look at your credit, it is not the sole factor used to determine an approval or denial. BizLender has obtained approvals for merchants whose credits scores were in the low 400s. We pride ourselves on getting a large number of our clients funded, no matter their credit score.

What Are The Rates of Payback With BizLender’s Cash Advances?

The amount of payback is not calculated using interest rates or APR. The amount of payback is based on a flat factor rate, which more or less varies between 1.20% and 1.50%. In essence, this means that the amount of payback is between $.20 and $.50 on the dollar. Factor rates are determined by the underwriter and are determined upon evaluation of your application.  

Can I Pay Off The Merchant Cash Advance or Business Cash Advance Early?

You are always welcome to pay off your advances early, however, there is no benefit in doing so. Whether you pay the advance off the day after you are funded or when the last payment is withdrawn, your payback amount will be exactly the same as stipulated in your contract.


Bizlender was easy to deal with. If you can’t get cash from any other source, this is a good service.



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