Resources
Guides for owners.
Plain-English answers about merchant cash advances, costs and how to get better offers.
[Photo: Hands reviewing a printed agreement on a wooden desk]
Featured · Basics · 7 minWhat is a merchant cash advance? A plain-English guideHow a merchant cash advance works, what it really costs, how it compares to a loan, and when it makes sense for your business, with a worked example.Read the guide →Compare · 6 minMerchant cash advance vs. business loan: which fits you?Speed, cost, approval and repayment compared side by side, so you can choose between an MCA, a bank loan, an SBA loan and a line of credit with confidence.Costs · 5 minFactor rates explained: how to read an MCA offerTurn a factor rate into total cost, payments and an estimated APR, and learn why the same factor rate can cost very different amounts.How-to · 5 minHow to prepare your application for the best offersWhat funding partners look for, the documents to have ready, and the bank-account habits that lead to faster approvals and better terms.Basics · 5 minCan you get business funding with bad credit?How revenue-based funding partners weigh credit, what you can realistically qualify for with a lower score, and how to avoid expensive mistakes.Costs · 4 minHow to compare MCA offers: the five-minute checklistA one-page checklist to compare merchant cash advance offers on net amount, total cost, payments, fees and fine print before you sign.
Free one-page guideRead any MCA offer in five minutes