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How does MCA repayment work?

Payments that flex with your sales—no fixed monthly stress.

WeLendIt Support avatar
Written by WeLendIt Support
Updated over 6 months ago

One of the key benefits of a Merchant Cash Advance (MCA) is its flexible repayment structure—perfect for busy small business owners who need cash flow to stay nimble and focused.

Here’s what you can expect:


✅ Daily or Weekly Payments

Unlike traditional loans with fixed monthly bills, MCA repayment happens automatically with small daily or weekly deductions from your sales.

  • Payments are taken right from your credit card or debit card sales, so you don’t have to worry about writing checks or missing deadlines.

  • This smooth, automated approach helps you manage cash flow without extra hassle.


✅ Percentage-Based Repayments

With an MCA, you’re not locked into a rigid payment schedule. Instead, your repayments are tied directly to a percentage of your sales.

  • If your business has a slower week or month, your payments adjust down automatically—no extra stress or penalties.

  • When your sales pick up, your repayments adjust up in kind.

This flexibility makes MCAs a great fit for businesses with sales that change from week to week.


✅ No Hidden Fees—Full Transparency

We believe in straightforward funding with no surprises.

  • Before you accept any funding, your dedicated Funding Specialist will walk you through the terms—clearly outlining the repayment percentage, any fees, and what to expect day-to-day.

  • No hidden charges, no last-minute surprises—just honest, upfront terms so you can make informed decisions.

If you have questions about how MCA repayment might work for you, just give us a call. We’re always here to walk you through the details—no stress, no surprises, just funding that keeps your business moving forward.

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