Top Reasons to Apply For Merchant Cash Advance

Small businesses are alive and flourishing. One of the reasons is the rise of alternative funding sources that help them get funds easily, with less hassle and with no need to furnish collateral. There are small business loans and there are unsecured loans for small businesses and then there are MCA.

What is a merchant cash advance?

It is an alternative method of finance for small businesses. It is primarily aimed at retailers, pharmacies, professionals, small manufacturers, restaurant owners and similar businesses that may face the occasional cash crunch. It is not for startups. Only those in business for a year or more with a turnover of $ 10000 in credit card sales are eligible. The only requirement is proof of identity, residence, ownership of business and bank statements and funds are made available in less than a week. Repayment is usually tied to credit card sales on a daily basis. The factor rate is rather high but bearable.

Merchant Cash Advance Business

Why should one apply for merchant cash advance?


As any small business owners know there are several occasions when cash is in short supply and one must get funds immediately. This happens when employee salaries are falling due or when vendors need to be paid while incoming funds may be delayed. Accessing merchant cash advance is the best option to get cash immediately and meet one’s commitment. It is better than having to seek loans from friends or relatives and remain obligated to them.

Merchant Cash Advance Business

Launch campaigns

Retailers and small businesses may wish to take advantage of festive seasons. In such cases launching a marketing campaign will net them more customers and generate more revenue. MCA funding gets them the money they need to launch campaigns, increase their market visibility and presence and garner a good share. Extra earnings always help repay the loan.

Expand activities

A businessman who stays content with his business is likely to stagnate and suffer. The expansion should always be an ongoing process for small businesses to grow into larger ones. Cash advances are the best way to finance such expansion activities. A businessman can move to larger premises, refurbish and renovate his existing premises, buy new equipment and generally increase the quantum of business. Expansion of activities will help him serve customers better and faster and earn their loyalty as well as recommendations.

Small Business Loans

Pay off debts

It may not seem like a good idea to go into debt by obtaining a cash advance in order to pay off a debt but debts can be restructured. If one is in a debt situation where the interest rate is killing then getting a loan at a much lower rate and on more favorable terms to pay off that debt is a wise decision.

There is no doubt that cash advance business is growing and providers like are offering the best terms. Small businesses that would have gone under have survived and prospered. Businesses that would have stagnated have expanded and grown, thanks to small injections of cash at the right time.

It is easy to apply for Water Street Capital’s best merchant cash advance. Just fill in the form online and initiate the process. Our rep will take it from there.

Why Merchant Cash Advance Loans Are suitable Choice in These Days?

Merchant Cash Advance

 Given the advances and facilities available in merchant cash advances, it is a wonder that these are not more popular than they ought to be. In order to be eligible, a merchant such as a retailer, a professional, a small business owner, a hotel or restaurant owner or a manufacturer needs to be in business for at least a year and must have a turnover of $10000. Documentation is a minimum, restricted to proof of identity, proof of address, proof of ownership of business and bank statements. Borrowers need not furnish a guarantor or mortgage property to get cash up to $ 200000 in as little as 4 to 5 days. Cash may be needed at any time and a merchant must have access to such sources of funds.

The business scenario is changing these days. The economy is improving and small business owners across the US are flourishing. There are more opportunities for growth for savvy businessmen and everyone knows that cash is the lifeblood of business. Merchant cash advance loans are one of the easiest sources of fast cash that a smart businessman can leverage to take his business up to the next level. Even if a businessman is doing well, he can always think of expansion by adding new types of equipment or modernizing facilities. He can buy inventory at low cost or launch ad campaigns. Dipping into existing cash flow is not advisable whereas MCA gives access to funds that can allow these expansion activities. This is just one reason why merchant cash advance loan should be on the list of source of funds.

Merchant Cash Advance Loans

There are other compelling reasons as well to have a reliable and trusted source of MCA. There is no guarantee that if a business is doing well these days it may not be in difficulties tomorrow. This can be due to a slowdown in business while liabilities remain the same. A natural disaster may put a halt to business or be a source of additional expenses. One may need to hire new employees to boost business activities. Cash flow may be affected but one must pay salaries on time. All these are reasons enough to convince any business owner that a line of finance must always be kept open. In all such cases, one needs cash and that too in a short time. It is simply not worthwhile to go through the regular channels and wait months by which time it will be too late.

Merchant Cash Advance Loans

Talking about regular channels of financing, it is a trend that banks are not quite as easygoing as they used to be in the past. They are stricter in evaluating borrowers and do ask for a lot of documentation as well as mortgage and guarantees. Even getting a mortgage is difficult due to changing regulations. Even if a borrower qualifies he may have to wait up to 50 days for approval and sanction. MCA allows business owners to get cash fast and when needed, no questions asked. Provided it is used for the right purpose, MCA does provide help when needed and helps businessmen stay afloat or even surge ahead.

It is easy to apply for Water Street Capital’s best merchant cash advance. Just fill in the form online and initiate the process. Our rep will take it from there.

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Is Merchant Cash Advance Suitable For My Small Business?

Business is about taking risks. Success depends on taking carefully planned and calculated risks. Even then anything unpredictable can cause a flat tyre and the vehicle of business stops moving. An Interruption in smooth cash flow, especially for small business owners, can be a time of endless worry. Invoices remain unpaid while creditors press for payments, is a common enough scenario. Then there are business owners who may want to take a small risk such as launching a marketing campaign to grab a higher market share during festival seasons or expand the business, buy real estate or new equipment. Traditional sources of funding may not be available in all such cases or may not be available fast.

This is where merchant cash advance seems so attractive. Is it really so? Wise business heads advice against falling into this trap unless one plans carefully. The simple reason is that going into debt to pay debt only results in more debt. Prima facie, MCA may not be the best option for small businesses. If one looks deeper and thinks carefully, it could be a perfect choice. Here are reasons why one should consider best merchant cash advance by, a premier cash advance business.

Best Merchant Cash Advance

    • Cash, as much as $ 200000, is available on making a simple application with supporting documents such as identity proof, residence proof and proof of ownership of business. No collateral or mortgage is required in case of MCA.
    • The Borrower gets to cash in his bank account in 3 to 5 working days from date of submitting the request online or offline.
    • Repayment is flexible and is a percentage of daily card sales, weekly or monthly fixed amounts. If sales boom, repayment amount increases, and advance are paid off in a shorter time and vice versa.
    • With MCA businesses can use the cash to give a boost to their business and grow fast.

For the MCA to be suitable, the owner must have a running business with minimum monthly sales of $ 10000. He must also have a good business plan and must calculate as to whether the daily or monthly repayment schedule will not put him in financial difficulties.

Small Business Loans

This type of cash source is not for small businesses if:

    • They are in a debt trap and are seeking funds to pay off a creditor without considering how they will meet the commitment.
    • They are not generating adequate business that will generate sufficient funds for repayment.
    • They are in a line of business with plenty of competition and slim chances of growth or even survival.
    • They do not have solid plans for business growth, diversification, and expansion.

A Cash advance can be obtained with ease. Using the cash wisely to grow the business is worthwhile. Even if one is reaching for this source of capital to tide over emergencies, one must have adequate receivables to know that they will be back on an even keel once debtors make payment. The source from where one obtains advances is also important.

It is easy to apply for Water Street Capital’s best merchant cash advance. Just fill in the form online and initiate the process. Our rep will take it from there.


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The Top Merchant Cash Advance Services of 2017

Merchant Cash Advance

It would be difficult to find a business that does not face cash problems every now and then. For larger organizations, liquidity is not much of an issue since they always have lenders on tap. Small businesses run by individuals find the going tough because they are perceived as high risk. Instead of regular channels, they might find the non-conventional methods of funding small business to be a better option.

The number of such small businesses facing cash crunch is on the rise and so is the number of merchant cash advance services that provide immediate funds on easy terms to these borrowers. Competition is hotting up. It would seem that businesses with bad credit or in a tight situation would have to take what is doled out to them. Not any longer. There are dozens of such services and they are all competing with each other to get more business. The best merchant cash advance service of 2017 may not be the one that hands out cash immediately, no questions asked. Customers do ask questions and should.


It is not a take it or leave it situation for borrowers. The top MCA service for this year is the one that is transparent about its terms, the rate of interest and other charges. Many such services do not truly disclose the rate of interest and charges until a prospective borrower submits his details and a credit check takes place. The Borrower must know beforehand about the terms, not terms based on credit rating. The fees and repayment cost should also be clear from the outset.

Simply providing cash when needed is one thing. Small businesses may opt for MCA simply to meet immediate needs without taking into consideration the larger picture. Enterprising and innovative businesses look at this type of cash source as a way to fund campaigns, modernize equipment or to invest in an activity that will produce more revenues. They may lack knowledge so the best MCAs are not just people who advance cash, but people with expertise to analyze a client’s business and offer consultation on the wise use of funds to avoid debt traps.

Responsiveness and speed of processing applications also count for a lot, especially when a borrower needs immediate funds. The Delay is as good as denial. Cash can act like oxygen and fast response saves the day for a grateful business owner who will then return for more funding to grow the business.

Small Business Funding

The world of cash advances is changing. From simply considering it as an avenue to exploit small businessmen and make high profits, it is undergoing a transformation to being one of the best alternative sources of capital in this year. The trend is likely to continue. Studies at wscapnow show that the number of defaulters is less and that those who have obtained consultations have managed to use funds to rise rapidly or to diversify. American small businesses can now make ambitious plans and wscapnow, the best MCA, will be there to help, today and tomorrow.

For more details contact us, email us or call us: +1-800-589-4161.

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Merchant Cash Advance – A Better Option for Your Small Business




Water Street capital understands that small and medium-sized businesses sometimes need quick access to cash to keep their everyday operations running as efficiently as possible. Whether cash is needed to increase inventory, pay employee salaries or to acquire equipment, we can help you meet your specific small business financing needs with a funding solution, which is part of our working capital program.

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The Best Tips on Merchant Cash Advance Business

When looking for small business funding, business owners have a variety of options at their disposal. The first and most common option people think of are banks. Banks were invented to loan out money so it makes sense to look there first. However, there are so many more options in the year 2016. While many businesses go with the better-known financing option via a traditional bank loan, more and more borrowers are turning to merchant cash advances.

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A merchant cash advance is essentially the same thing as a loan but with a few twists. Water Street Capital is a great example of such a business and offers some of the best tips on the merchant cash advance business. Although it is usually much easier to apply, there are still a few general tips that are good to know before starting the process.

  1. Minimum Requirements

Before any business owner even thinks of applying for a merchant cash, he/she should be aware of the minimum requirements for getting approved. The most important rule is that no startups are approved. Merchant cash advance business are like investors. There has to be evidence of an already successful business that generates at least $10,000 in gross sales per month. This ensures that the lender will be repaid rather than basing it on a credit score.

  1. Applying Online

If the business meets the $10,000 minimum, they can easily apply online. As stated earlier, no excellent credit history is necessary. The application usually is approved and the borrow can receive the money in as little as 3 business days! While amounts vary with the lenders, Water Street Capital can lend out up to $500,000 if the small business meets the criteria.

  1. Uses of a Merchant Cash Advance

A merchant cash advance is much more flexible than a traditional loan and can be used on a number of things. Some business owners use it to add new employees to the payroll until business speeds up again. There have been business owners that used the money to advertise on billboards or television. Some simply use the loan to get caught up with bills during a slow period.

  1. Repayment method

Even if the business is experiencing a slow period, that is okay! With a traditional bank loan, the payments are fixed at a certain amount for each month, yet with a merchant cash advance the rate actually fluctuates. That might sound scary, but it shouldn’t; the payment varies depending on how well the business does during that certain month. A small percentage is retracted from the business’ sales each month and automatically applied to the outstanding balance. If the sales are down for some reason, the owner simply pays back a smaller amount. During high times, however, more money is applied to the account and it is paid off faster than expected. Either way, the business owner has much less risk of not being able to repay.