When does a merchant cash advance make sense (and when it doesn't)

Merchant cash advances solve a specific problem: you need capital fast, the amount is relatively small, and you'd rather pay a premium for speed than wait weeks for a bank.

Good fits: equipment that broke today, inventory ahead of a busy season, payroll bridge, time-sensitive marketing.

Bad fits: long-term real estate financing, refinancing existing debt at lower cost, businesses with seasonal revenue gaps longer than the term.

If you're not sure, call us. We'll tell you if an MCA is the wrong tool for your situation.