Merchant Cash Advances (MCAs) stand apart from traditional loans in several key ways, making them a go-to solution for many small businesses that need funding fast and with less red tape.
Here’s how they work—and why they might be right for you:
✅ Flexible Payments That Adjust to Your Sales
With a traditional loan, you’re stuck with fixed monthly payments—no matter how your sales fluctuate.
With an MCA, repayment is tied directly to your daily or weekly sales. That means:
You repay a small, fixed percentage of your sales.
If business slows down, your payments automatically adjust to what you can afford.
There’s less stress and more flexibility—so you can focus on growing your business.
✅ Fast Access to Funds
When you need working capital fast, waiting weeks for a traditional loan just doesn’t cut it.
MCA funding can happen in days—not weeks—helping you cover urgent expenses like payroll, inventory, or unexpected opportunities.
This speed can be a game-changer for businesses that need to keep moving quickly.
✅ No Collateral Required
Unlike traditional loans that often require you to secure your funding with personal or business assets, MCAs are unsecured.
There’s no need to put your equipment, property, or personal credit on the line.
You get the cash you need without the risk of losing critical assets.
✅ No Hard Credit Pull to Apply
We know how important it is to protect your credit score—especially if you’re considering multiple funding options.
At We Lend It, there’s no hard credit pull when you apply for an MCA, so your personal credit score remains unaffected during the pre-approval stage.
We focus on your business’s cash flow and revenue, not just your credit score.
✅ Why It Matters for Your Business
MCAs are designed to match the pace of your business—giving you the funding and flexibility you need without the headaches of traditional loans.
They’re often a great option for businesses that can’t qualify for bank loans or don’t want to deal with the lengthy process.
At We Lend It, we make it simple and transparent, so you’re never left guessing or overwhelmed.
If you’re curious whether an MCA is the right fit for your business:
We’re here to help you find the best way to keep your business moving forward.