Review your sales
Estimate your funding need and examine the consistency of your card sales or business deposits.
FUNDING PROGRAM GUIDE
Merchant Cash Advance
Understand an advance based on future receivables and how its repayment can affect cash flow.
Lendable Capital is not a lender. Third-party funding providers set their own terms and make their own decisions.
01 / How the program works
How the program works
A look at the process, from planning to repayment.
Compare an offer
A provider may offer an advance in exchange for a specified amount of future receivables. Review the total repayment and payment method.
Remit the agreed amount
If you accept, payments are collected according to the agreement, often through a share of sales or scheduled withdrawals.
Who this program fits
A merchant cash advance may be considered by a business with ongoing sales that needs working capital and understands how frequent remittances will affect its cash flow.
What lenders typically review
Requirements vary by provider, but these are useful areas to prepare.
- Time in business
- Card sales or business deposit history
- Revenue consistency and cash flow
- Credit profile and existing obligations
Benefits and tradeoffs
Potential benefits
- Funds can be used for business expenses under the provider's terms.
- Some structures link remittances to a portion of sales.
Things to consider
- Frequent remittances can put pressure on daily cash flow.
- The total cost can be substantial; compare repayment amounts and fees with other options.
Frequently asked questions
Is a merchant cash advance a loan?
It is generally structured as a purchase of future receivables rather than a traditional loan. Agreements and legal treatment can vary.
How are payments collected?
The agreement may provide for a percentage of sales or scheduled withdrawals. Check the remittance method and any reconciliation terms.
What is a factor rate?
A factor rate is a multiplier sometimes used to calculate the amount to be repaid. It is not the same as an annual percentage rate, so examine the total cost and payment schedule.
What if my sales change?
The effect depends on the agreement. Ask whether payments adjust with sales and how to request a reconciliation if applicable.
Get a clearer picture of your readiness
Explore your funding profile and identify the next steps for your business.
Disclosure
Lendable Capital is not a lender, bank, or credit repair organization. We do not issue loans, make credit decisions, or guarantee funding outcomes. Our services help connect individuals and business owners with funding partners and readiness resources. Funding approvals, terms, and amounts are determined by third-party lenders and depend on each applicant's unique profile, credit history, and program guidelines.