Primary Commercial Capital Offering
Merchant Cash Advances: Flexible Working Capital Tied to Sales.
Purchase of future commercial sales receivables repaid via automated daily or weekly remittances. Designed for businesses with steady deposit volume seeking rapid capital without pledging real estate collateral.
Product Overview
What is Merchant Cash Advance?
A Merchant Cash Advance is not a loan. It is a commercial purchase and sale agreement where a funding provider purchases a specific dollar amount of your business's future sales receivables at a discount. In return, your business receives an upfront sum of working capital.
Once funded, remittances occur automatically via ACH debit or a fixed percentage split of daily payment processing settlements until the agreed purchased amount of receivables is satisfied.
Common Operating Uses
How Businesses Deploy Merchant Cash Advance
- Managing unexpected operational cash flow crunches
- Purchasing high-margin inventory ahead of busy seasonal cycles
- Emergency repairs for mission-critical machinery or facilities
- Bridging short-term gaps between operational expenses and client settlements
Suitability & Criteria
Is Merchant Cash Advance Right for Your Business?
We believe in honest qualification. Understanding when a facility is a strong operational fit protects your margins and saves you time.
Recommended Fit
- Businesses with consistent daily or weekly deposit volume ($15,000+ monthly)
- Retailers, restaurants, medical practices, auto repair shops, and trade contractors
- Owners who need capital without real estate or asset collateral requirements
May Be Less Suitable If
- Startups with less than 4 months of operating history
- Companies looking for multi-year amortization with low monthly payments
- Businesses with frequent overdrafts and negative daily bank balances
Intake Preparation
Information Typically Requested
Our initial intake takes less than two minutes. When your file advances to underwriter packaging, having the following records ready accelerates your review:
Privacy & Security
Your Contact Info Stays Protected
Unlike mass loan portals that sell borrower contact records as lead lists, QFBC maintains strict server-side safeguards. Under no circumstances are client phone numbers or email addresses shared with third-party funding sources without explicit, logged human authorization.
Frequently Asked Questions
Questions About Merchant Cash Advance
Is a Merchant Cash Advance considered a loan?
No. An MCA is a purchase and sale of future business receivables. You are selling a portion of your future revenue in exchange for immediate capital, rather than borrowing principal with interest.
How are repayments collected?
Remittances are typically made via automated daily or weekly ACH debits from your business operating account, or through a agreed split of credit card processing settlements.
Can I qualify if I already have an existing advance?
Yes. Many funding partners provide second positions or advance consolidation programs depending on your remaining cash flow headroom.
Let’s talk business
Find a path forward for your business.
Share your goals. We’ll help you understand potential options through our funding network.
