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Why choose a Merchant Cash Advance over other sources of capital?

Are you low on cash and need working capital to fund operations quickly? Don't want the fixed monthly payment of a traditional business loan? A Merchant Cash Advance from Pacific working capital is the perfect solution for your business funding needs. A Merchant Cash Advance is an excellent way to access working capital in a "cash-flow friendly" way by making daily remittances.

What is a Merchant Cash Advance?

A Merchant Cash Advance is a type of funding that is not a loan. It is a purchase of a fixed dollar amount of a business's future credit and debit card receivables. The Merchant Cash Advance provider purchases a specified dollar amount of your business's future debit and credit card sales at a discount. Your business, instead of paying one large fixed monthly payment until a set maturity date like a loan, remits a fixed percentage of its daily debit and credit card revenue automatically until the specified amount of purchased receivables is remitted in full to the MCA provider.

How can I use the money from a Merchant Cash Advance?

Merchant Cash Advances from Pacific Working Capital can be used for any business related expenses, including but not limited to:

  • Regular and/or On-Going Operations: paying employees, travel, training, and research and development
  • Business Assets: equipment, inventory, paying vendors, vehicles and technology
  • Cost Management: seasonal downturns, renovations, business improvements, mergers, acquisitions and business opportunities for expansion or growth

Advantages of a Merchant Cash Advance

  • You don't need a stellar credit history to qualify.
  • Cash-flow friendly! Your business remits less on slow days and more on busy days to keep cash-flows smooth.
  • You don't have to worry about fixed monthly payments during tough times, and there is no set maturity date. This enables your business to be more flexible financially while fully funding all of its operations.
  • The remittances are automatic and don't require you to write any checks.
  • Getting a Merchant Cash Advance is faster and easier than obtaining a traditional loan, making your much needed capital more accessible when you need it quickly.