What is a Merchant Cash Advance?

A merchant cash advance is a lump sum of cash that is advanced to an organization that accepts credit and debit cards as a form of payment from their customers.

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What Is a Merchant Cash Advance?

When small business owners find themselves without enough money to execute marketing, expansion, renovation, remodeling, repairs and other growth strategies, a merchant cash advance can be an ideal financing tool. Merchant cash advances allow business owners the flexibility to leverage a small percentage of future credit and debit card transactions in order to free up working capital instantly.

A merchant cash advance amount is based on sales trends, making it easy to get approved. A low credit score or lack of collateral rarely affect approval decisions and even young businesses can qualify. Advances are repaid automatically as a small percentage of future card transactions, making it easy to manage.

How much financing could your organization obtain with a merchant cash advance?

Use our merchant cash advance calculator to estimate the amount of working capital your organization could be eligible to receive. Contact one of our business financing experts at 866-855-3640 with any questions or complete the short form below to get the application process underway.

Merchant Cash Advance Calculator

Use our calculator to estimate the amount of business financing your organization could be eligible to receive with small business financing from DB Squared then request a formal proposal and we will go to work sourcing offers for your business. You could go from approval to funding in 24-48 hours — or even faster — depending on the type of financing tool you choose.

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Discover how much working capital your organization may qualify for:

  • Time in Business
    0 Months 5+ Years
    0 Months
  • Gross Monthly Revenue
    $0 $1,000,000+
  • Percentage of Gross in Debit/Credit Cards
    0% 100%

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Congratulations! Based on the information you provided your business may qualify for:

  • Merchant Cash Advance $0
  • Business Cash Advance $0
  • Line of Credit $0

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What is a Merchant Cash Advance – and How Does It Compare to a Business Loan?

Merchant cash advances are similar to business loans in that they provide a commercial financing tool that can be used to fund growth, meet expenses, preserve working capital reserves or resolve temporary cash flow challenges.

One of the most compelling differences between merchant cash advances and business loans is that a majority of merchant cash advances applications get approved, giving business owners access to the working capital they need, and doing so more quickly than typical bank financing.

Here are some of the other ways this financing tool differs from business loans:

  • A low credit score will not disqualify an applicant and is rarely the deciding factor in an approval decision
  • Since merchant cash advances are based on projected sales trends, no collateral is required
  • While bank loans have non-negotiable repayment schedules, our customers can take advantage of flexible repayment options
  • Less paperwork and faster approvals; while bank loans can take weeks to process, our financing can be available in a matter of hours
  • While many times bank loans will only be granted for a narrow range of projects, financing from DB Squared can be used for a wide range of activities to help grow a business and improve the flow of money needed to meet operating expenses

What can merchant cash advances be used for?

Our small business financing often provides the tools needed to grow to the next level. The financing obtained through merchant cash advances can be used for many different growth and management purposes; including but not limited to:

  • Funding improvements, renovations or repairs
  • Expanding to a larger space or additional locations
  • Meeting operating expenses during slow times
  • Improving cash flow by creating consistency during slow cycles or seasonal lulls

What is a Merchant Cash Advance?

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Why Choose DB Squared for Cash Flow and Working Capital Solutions?

Asking the question ‘What is a merchant cash advance’ is just one consideration; the questions you ask when choosing a partner for business financing might be even more important.

At DB Squared, we look for reasons to say ‘Yes.” We don’t just look at a credit score or an asset list, we look at the big picture.

When you apply for a merchant cash advance from DB Squared, you can expect:

  • Fast funding! Go from approval to funding in 24-48 hours – or even faster
  • Competitive offers with merchant cash advances up to 150% of average monthly card transactions
  • High approval rates – most applicants receive at least one offer
  • Professional, personal customer service from a dedicated account manager
  • Competitive rates
  • Flexible repayment options
  • Programs with no UCC filing
  • No proposal, application, due diligence or credit check fees
  • Based on sales trends not a credit score or collateral

Competitive rates, flexible repayment options and a high level of customer care is just the beginning. Our goal is to help our customers grow their businesses from where they are today, to where they want to be tomorrow.

Our success truly depends on the growth and success of our customers. Our flexible merchant cash advance repayment options and professional customer service provide us with referrals and repeat business – we can help you tailor a business financing option that meets the unique needs of your organization.

Take the first step; request a free, no obligation quote or contact us at 866-855-3640 for more information.