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Merchant and ACH Cash Advance

Merchant Cash Advance and its related ACH Advance are powerful financing tools for retailers.  They are lump sum, unsecured cash advances which are repaid from a percentage of future credit card or other retail sales.  Although sometimes considered an expensive form of financing, Merchant Cash and ACH Advances are readily accessible sources of working capital when other options are simply not available.

How Merchant Cash and ACH Advances Work

A Merchant Cash or ACH Advance is a lump sum cash advance today which will be repaid from future credit card or retail sales.  The provider will collect repayment by taking a percentage of each sale until the advance is repaid.  It's important to note that most Merchant Cash or ACH Advances are not considered loans but simply advances of cash based on the probability of future sales.

There are some significant advantages and benefits to Merchant Cash and ACH Advances over other forms of financing which include:

 A Renewable Source of Funding

Although Merchant Cash and ACH Advances are considered expensive, there is considerable risk for the provider in these unsecured cash advance transactions, so the expense is understandable.  It is also important to note that industry statistics evidence nearly two out of every three businesses opt to utilize this type of funding.  Businesses find the advances so beneficial that they renew their advances a second and even third time for working and expansion capital.  At some future point in time, a business can qualify for a more traditional and less expensive type of financing.

Find Out More

One of the best ways to further explore inventory finance and to see if it's right for you and your business is to request our FREE booklet entitled "When Banks Say NO!...The Small Business Guide to Factoring."  It's FREE from BENEFICIAL BROKERS, LLC(click here to order)