MCA/ACH

The Sad & Expensive Truth about Merchant Cash Advance (MCA) Loan Rates

1.3 rate factor? Notarized COJ? What do these terms even mean? And more importantly, what is the real cost to you of a Merchant Cash Advance or MCA Business Loan? MCA loans are seen as bad credit business loans and are typically 4 to 10 times more expensive than Invoice Factoring with none of the protection. The MCA ACH Loan Rule of Thumb says, whatever the MCA Rate Factor dollar amount is over the payback period, your net profit should be more. If not, at the end of that period you will be that much closer to bankruptcy. For example,

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What is Merchant Cash Advance Consolidation?

What is a Merchant Cash Advance? A merchant cash advance is a cash-flow solution for a business in need of quick working capital. As long as you have a merchant account and accept credit card payments, you could qualify for this type of small business cash advance. The merchant will loan you the money you need. Also, allow repayments towards that loan through your credit card sales, virtually guaranteeing that you do not default. Of course, there will be interest and other fees deducted as well. All of this will be bundled together into your payment plan. Some businesses in

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