Fast funding.
Real costs.
Know both.
A clearer look at merchant cash advances. Understand the numbers, compare your options, and make your next move with confidence.
Your MCA, in numbers.
FREE CALCULATORYou receive $50,000 after upfront fees. Assumes a fixed business-day payment and a smaller final payment if needed. Excludes other charges and holidays. Payment and APR estimator ↗
YOUR STARTING POINT
Where are you
right now?
Different situations need different answers.
Start with what matters to your business.
Understand the offer.
Know what a factor rate means, where fees hide, and what leaves your account each day.
Start with the basicsFind another way.
Compare a line of credit, an SBA loan, invoice financing, and changes to your cash flow.
Explore your alternativesGet a plan for the debt.
Organize your agreements, understand your options, and know when to speak with an attorney.
Understand your next stepsTHE MATH, WITHOUT THE MYSTERY
A factor rate
isn’t an APR.
A 1.35 factor on a $50,000 advance means $67,500 in contracted payments before any additional fees. It does not mean a 35% annual interest rate.
See how timing changes the costIllustration only. Net proceeds, additional fees, payment dates, and reconciliation terms affect your actual cost.
A BETTER NEXT QUESTION
Read with a purpose.
Same funding need.
Very different terms.
Compare cash received, payment pressure, security, and total cost before choosing a product.
MCA vs. a business loanWhat does a UCC filing actually do?
Understand the public record, the underlying agreement, and what to check after payoff.
02 / LEGAL HELPWhen is it time to call an attorney?
A practical guide to choosing counsel and preparing for your first consultation.
03 / REPAYMENTWhat should a settlement cover?
Look beyond the headline discount to fees, releases, and the payment schedule.
FROM ONE BUSINESS OWNER TO ANOTHER
Experience started this.
Clear information drives it.
Bar Alezrah created The MCA Guide after his own experience with advances, stacked payments, and settlement. His story is personal. Your contract and options may be different.
Our core guides connect practical explanations with original sources, worked examples, and questions you can take to a qualified professional.
START WITH THE NUMBERS