The goal of any business is to...

Profit and Succeed...

mbell@merchantcashadvantage.com or call 866-321-3580

Today more than ever, in order to make this happen a business needs the right resources on

their side

One key resource a business will always need is access to...

Working Capital!

In today’s economy when Banks or Personal Credit Lines are not the answer...

There is a surprising cash flow alternative...

Right inside your own business!

A cash flow alternative that comes simply from

generating sales!

Imagine getting a cash advance against your future credit card sales!

That’s right... It’s referred to as a MCA or Merchant Cash Advance

A Merchant Cash Advance?1. What is a Merchant Cash Advance (MCA)?2. How can a Merchant Cash Advance help my

business?3. How do I qualify for a Merchant Cash

Advance?4. What are the Benefits and Obligations of a

Merchant Cash Advance?

What is a Merchant Cash Advance or MCA?

There is no doubt a Merchant Cash Advance or (MCA) is a pretty unique funding product.

In its basic form, an MCA is simply a debt free way to fund or finance Your Business...

From Future Credit Card Sales

With an MCA at your disposal... Businesses Owners who process credit cards can obtain the

Working Capital they need from...

Sales They “Already” Generate!

By understanding what an MCA is and how it works...

A business owner has a clear picture of how this cash flow option can

work for them!

A MCA is not a loan! It is a debt free alternative that is actually a sale.

Our clients are selling their future business at a discount...

In order to receive the cash they need now!

A qualified business can sell a fixed dollar amount of credit card sales to Raise the Cash it Needs...

To Succeed and Prosper!

For example – A qualified business might sell $26,400 of future credit card receivables to

receive a $20,000 Cash Advance

How is a Merchant Cash Advance paid back?

Once the funding is approved, the cash advance is deposited directly into your business checking

account

You are free to use these funds to run your business in any manner you see fit!

When it comes to paying for the advanced cash...

The remittance is handled automatically by your credit card

processor

You simply instruct your credit card processor to forward the fixed percentage...

That was agreed upon at the time the advance was

negotiated.

The payment amount, is determined by your daily credit card sales

The cash advance is repaid each time you batch these daily credit card sales

If you don’t have any sales for the day...

Then there is nothing applied to your balance

• There are no penalties• There are no time limits • There are no late fees. • When you get paid... we get paid!

It doesn’t matter if it takes 5 weeks, 5 months or 1 year to pay back...

This all happens automatically so you to focus on running the business!

Once the advance is paid back the automatic payment stops

How much funding do I qualify for?

When determining how much a business qualifies for...

We look at your total gross Visa and Master Card sales

over a 3 month period

We can advance up to 1 to 2 times your average credit card sales or...

Up to $5M per location!

A simple application and review process will determine...

If you qualify and what your discount rate will be?

How can a Merchant Cash Advance help my business?

With a Merchant Cash Advance in your tool box it can provide you with several options!

Our Clients are Using their Cash Advances for...

• Expansion• Remodeling• Product Development• Advertising• Inventory• Operating Capital • Debt Reduction• It is up to you how to best use the advance!

What are the Benefits and Obligations of a Merchant Cash Advance?

The Benefits• A Cash Advance is quick and easy to fund• It is not a loan• It requires no personal guarantees • It requires no financials or tax returns• There are no up front fees and• It works even if you have bad credit

There are 2 important factors a business owner needs to understand when considering an MCA...

The Benefits and The Obligation

The Benefits• A cash advance can be used for any business

need• Is paid back automatically as you generate

sales• But, the main benefit of a Cash Advance its

ability to...– Increase Cash Flow and– Hopefully Improve Your Profitability!

The Obligation• When considering an MCA it is important to

understand... How the resulting obligation will affect your businesses...

• The two factor you will want to consider are how this obligation will affect ... – Your Monthly Cash Flow and – The Cost of Capital

Structuring Your Cash Advance

Once a discount is established it remains fixed throughout, however by adjusting the funds you

receive...

You can determine how the Cost of Capital will affect your

Monthly Cash Flow!

Example Client... Let’s assume a Merchant qualifies for a $32,500 cash advance at a 22%

factor

The Merchant had 3 options...

Option 1 - Take 100% of the advance or $32500 @ 22% of CC Sales for a repayment of $48400

Option 2 - Take a $28,000 advance @ 22% of CC Sales for a repayment of $39200 for $9000 less

money

Option 3 - Take a $20,000 advance @ 22% of CC Sales for a repayment of $26,400 for $13,000 less

money

As you can see adjusting the amount of cash you receive...

This will have a direct affect your Cost of Capital and

your Monthly Cash Flow!

To Summarize...

We learned that a MCA is the purchase and sale of future credit card receivables

We learned that a MCA is not a loan but a unique funding alternative that

requires no personal guarantees

We learned why MCA’s are becoming so popular...

Because the qualification process is quick and

The payback is easy!

We learned that the repayment is handled automatically by the credit card processor

We learned that a Merchant Cash Advance can be used in any way you see fit...

Working Capital at Your Disposal!

But most importantly, we learned that a Merchant Cash Advance gives Business Owners

the Cash Flow Option...

THEY NEED - WHEN THEY NEED IT!

With “Merchant Cash Advantage” by your side...

”Getting The Working Capital You Need Has Never Been

Easier!”

To Learn More or To Receive A Free Quote...

You can email Michael Bell @mbell@merchantcashadvantage.com

or call 866-321-3580