A merchant cash advance is a financing option that provides businesses with a lump sum of capital in exchange for a portion of their future sales. It is a flexible and convenient alternative to traditional business loans, particularly for businesses that generate a significant portion of their revenue through credit card sales.
At HR Commercial Finance, we understand the unique financial needs of businesses, and we offer tailored merchant cash advance solutions to help you access the working capital you need to grow and thrive.

How Merchant Cash Advance Works

The process of obtaining a merchant cash advance is straightforward:


You submit an application for a merchant cash advance, providing relevant information about your business, such as sales volume, credit card processing statements, and time in operation.


The merchant cash advance provider evaluates your application, considering factors such as your business's creditworthiness, sales volume, and credit card processing history.


If approved, you receive an offer outlining the amount of the cash advance, the factor rate (the cost of the advance), and the repayment terms.


Upon accepting the offer, the funds are typically deposited into your business bank account within a few business days


Repayment occurs through an agreed-upon percentage of your future credit card sales. The provider deducts a predetermined percentage from each credit card transaction until the advance, plus the factor rate, is repaid in full.

  • 1. Working capital

    A merchant cash advance provides immediate access to working capital, allowing you to cover day-to-day expenses, purchase inventory, invest in equipment, or seize growth opportunities.

  • 2. Flexible repayment

    The repayment of a merchant cash advance is tied to your business's sales, so it fluctuates with your revenue. During slower periods, the repayment amount adjusts accordingly, easing the financial burden on your business.

  • 3. Quick funding

    Compared to traditional business loans, merchant cash advances offer a faster funding process. The application and approval process is streamlined, providing you with access to funds within a few business days.

  • 4. No collateral required

    Merchant cash advances are typically unsecured, meaning you don't need to provide collateral to secure the funding. This eliminates the risk of losing assets in case of non-payment.

  • 5. Credit score flexibility

    Merchant cash advances are available to businesses with varying credit scores. Providers consider factors beyond credit history, such as sales volume, when evaluating applications.

  • 1. Flexible funding options

    We offer competitive merchant cash advance options designed to meet your specific financing needs. Our funding amounts are based on your business's sales volume and credit card processing history.

  • 2. Streamlined application process

    Our streamlined application process ensures a quick turnaround time, allowing you to access the funds you need promptly.

  • 3. Dedicated support

    We provide dedicated support throughout the entire process, from application to funding. Our team is available to answer any questions and provide guidance to ensure a smooth experience.

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