Merchant Cash Advance for
High Risk Businesses

Learn More A Merchant Cash Advance is one of the most powerful solutions
for small businesses needing working capital.
At International Payments Processing, we help a merchant get up
to $500,000 in funding within 48 hours.
Apply Now

What Is a Merchant Cash Advance (MCA)?

If your business needs funding quickly, has a high credit card sales amount, or might not qualify for a loan from a bank, Merchant Cash Advance (MCA) is a fast and simple way to give your business access to funds quickly.

There are 2 ways that merchant cash advance repayment can be structured:

Merchant can make one fixed payment every month from their bank accounts by giving up a slice of their future credit and debit card sales or remitting fixed daily or weekly debits from their bank account, known as ACH, for the automated clearinghouse withdrawals.

Merchants can make daily or weekly payments, plus fees until the cash advance is paid in full.

Loan Amount
$5,000 - $500,000
Loan Term
Up to 3 years
Time To Get Fund
Within 48 hours
Interest Rate
Lower than 18%

Pros and Cons of MCA

  • Simple & Fast access to cash
  • Not require strong credit
  • No collateral is required
  • Flexible repayment terms
  • Can be expensive (up to 18% interest rate)
  • Reducing revenue receivables hurts cash flow
  • No help build business credit
  • Must accept credit cards

Merchant Cash Advance Repayment Structures

Percent of credit card sales

  • The MCA provider will automatically deduct a small percentage of your debit or credit card until the agreed-upon has been repaid in full. For example, you need $50,000 to expand your store and get accepted for an MCA of $50,000. You agree with a factor rate of 1.4 on the contract, so you owe the provider $70,000.
  • The prepayment time depends on your credit card sales, but the repayment period usually ranges from 3 to 12 months.
  • In this case, you agree to deduct 5% of your monthly credit card sales until you fully pay $70,000, and your store has around $200,000 in credit card revenue per month. You will repay $10,000 a month, which is $333 per day in a 30-day month. After the seventh month, you can pay off the cash advance. However, if your revenue drops $140,000 per day, you wouldn’t repay the MCA in full until the 10th month, with a $233 daily payment.
  • Total Sale
  • Repayment (5% of Credit Card Sales)
  • Total Sale
  • Repayment (Fix $10,000 Per Month)

Fixed Daily Withdrawals

  • The MCA provider estimates your monthly revenue and determines the amount of money, withdrawn daily or weekly. For instance, a business with $200,000 in monthly income would own $333 daily or $2,331 weekly payment based on the percentage of sales of 5%.
  • Unlike the first method, the repayment does not fluctuate with your sales, which means you have to pay the same amount of money regardless of your sale on that day or week.

Will Your Business Qualify For MCA?

At IPP, we know that credit scores won’t tell the whole story. Therefore, we have an underwriting team to measure the overall health of your business. Here are some elements we consider:

Cash Flow
Business Revenue
Years in Business
Public Records
Payment History

Our goal is to help your business reach its potential. We have experts with more than 20 years of experience who can help you choose the best merchant cash advance package suitable for your business’s situation. Besides, we have our streamlined application and rapid application processes to make it easier to get the money you need.

More Than 20 Years of Experience in merchant cash advance


137 Johnson Ferry Rd

Ste 2220, Marietta, GA 30068

Mobile: +1 770-690-8369

Working hours:

Monday-Friday: 9:00 – 17:00

Saturday: closed

Sunday: Closed

Apply Merchant Cash Advance For Your Business Funding

After you fill out the information below, one of our experts will contact you to know your business and help you get more fund and repayment options.