What Is an MCA (Merchant Cash Advance)? Most Business Owners Get This Wrong. An MCA is NOT a business loan — and understanding this difference can save you from bad funding decisions. Here’s how a Merchant Cash Advance actually works: • You receive cash upfront • The funder purchases a portion of your future sales • Repayment adjusts with your daily revenue ✅ No collateral required ✅ Faster approvals than bank loans ✅ Ideal for businesses with consistent sales that need quick capital 💡 MCAs are
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