What are the typical costs and terms for mezzanine financing?

What are the typical costs and terms for mezzanine financing? Understanding the financial commitment involved in mezzanine financing is crucial. Here's a breakdown of what you can generally expect regarding interest rates and repayment periods: Costs (Interest Rates): Significantly Higher than Senior Debt: Expect mezzanine financing interest rates to be substantially higher than what you'd pay on a traditional bank loan (senior debt). Double-Digit Range is Common: Rates typically fall within the double digits, often ranging anywhere from 12% to 20% per year , sometimes even higher depending on the perceived risk of the deal, market conditions, and the specifics of the transaction. Compensation for Risk: This higher rate reflects the lender's increased risk. They are in a subordinated position (paid after senior lenders in case of default) and often rely more on your company's cash flow than hard collateral. Total Cost: Remember that the total cost might also include fees (upfront, monitoring) and the potential value given up through equity components like warrants, not just the stated interest rate. Terms (Repayment & Maturity): Longer Terms: Mezzanine loans typically have longer repayment periods than shorter-term bridge loans. Maturities often range from 5 to 7 years , sometimes longer. Alignment with Senior Debt: The maturity date is often structured to align with or extend beyond the maturity of the company's senior debt facilities. Interest Payments: You'll usually make regular interest payments (e.g., monthly or quarterly). Sometimes, there might be an option for PIK (Payment-In-Kind) interest, where some or all of the interest accrues and is added to the principal balance instead of being paid in cash, though this increases the total amount owed. Principal Repayment: The principal is often repaid as a lump sum ("bullet payment") at the maturity date, rather than being amortized (paid down gradually) over the life of the loan. Repayment might also be triggered by specific events like a refinancing, sale of the company, or an IPO. In essence, you're paying a premium interest rate for mezzanine financing in exchange for securing less dilutive capital over a longer term, often designed to support a significant growth phase or transaction before a potential refinancing or exit event. Navigating these costs and terms effectively is crucial. Contact the experienced consultants at Canada Business Loan Experts today for personalized advice and assistance in structuring and securing the right mezzanine financing solution for your business.

Who provides mezzanine financing in Canada?

Who provides mezzanine financing in Canada? What do they look for, and how can help navigating the process? Finding mezzanine financing typically involves looking beyond traditional banks. In Canada, these funds usually come from specialized sources dedicated to this type of higher-risk, higher-return investment. These include: Dedicated Mezzanine Funds: Firms specifically created to provide mezzanine capital. Private Equity Firms: Often have arms or specific funds that offer mezzanine solutions alongside equity investments. Business Development Corporations (BDCs): Some government-related or private BDCs offer mezzanine options. Alternative Lenders & Credit Funds: A growing category of non-bank institutions providing various forms of business credit, including mezzanine. What do these specialized lenders look for? Because mezzanine financing is riskier for the lender (being subordinate to senior debt), they have rigorous criteria. They primarily want to see strong evidence that your business can generate sufficient cash flow to service the higher interest payments and ultimately provide them a return. Key factors include: Proven Track Record & Profitability: A history of stable operations and profitability is usually essential. Mezzanine is rarely suitable for early-stage startups. Strong, Predictable Cash Flow: Lenders heavily analyze historical cash flow and detailed future projections to ensure you can comfortably cover payments on both senior debt and the mezzanine loan. Solid Business Plan & Use of Funds: A clear, credible plan outlining why you need the capital (e.g., acquisition, specific expansion project) and how it will generate increased cash flow and value. Experienced Management Team: Lenders invest as much in the team as the plan. They need confidence in management's ability to execute the strategy successfully. Viable Exit Strategy (Implied): Lenders need to see how they will eventually get their principal back and realize the value of any equity components (like warrants), often through refinancing, acquisition, or significant company growth. How can an experienced Business Finance Consultant help? Navigating the world of mezzanine financing can be complex and time-consuming. This is where partnering with an experienced business finance consultant or broker provides significant value: Access to the Right Lenders: Consultants have established relationships with various specialized mezzanine providers and understand their specific appetites (e.g., preferred industries, deal sizes, structures). They connect you with lenders most likely to fund your specific need. Understanding Complex Structures: Mezzanine deals involve unique terms, warrants, and covenants. A consultant helps you understand these structures and their implications. Structuring the Deal: They assist in shaping your funding request and financial model to align with what mezzanine lenders need to see, increasing your chances of success. Preparing the Package: Consultants guide you in preparing a compelling and comprehensive package (business plan, financial projections, management profiles) that effectively presents your case. Negotiation Support: They can help you negotiate terms, pricing, and covenants, advocating for your best interests within the market realities. Saving Time & Effort: They manage the process, allowing you to focus on running your business. Example of a Simplified Deal Structure: Imagine your company wants to acquire another business valued at $10 million. A senior lender might provide 60% ($6 million). You, the buyer, want to contribute 15% equity ($1.5 million). This leaves a funding gap of 25% ($2.5 million). A mezzanine lender could provide that $2.5 million (likely with warrants attached). This allows you to complete the $10 million acquisition with only $1.5 million of your own equity, rather than needing $4 million if mezzanine wasn't used. The consultants at Canada Business Loan Experts help find that mezzanine lender and structure the $2.5 million loan appropriately within the overall deal.

Mezzanine Loans: Pros & Cons for Your Business?

Mezzanine Loans: Pros & Cons for Your Business? Mezzanine financing can be a powerful tool for growth, but it's essential to weigh its advantages against its potential drawbacks for your specific situation. Here's a breakdown from your perspective as the borrower: Potential Benefits for Your Business: Retain More Ownership and Control: This is often the biggest advantage. Unlike selling shares directly (equity financing), mezzanine financing allows you to raise significant capital while giving up less initial ownership. This means you and your existing shareholders keep greater control over company decisions and retain a larger share of future profits and value appreciation. Bridge Critical Funding Gaps: It allows you to pursue large-scale opportunities – like acquiring another company, funding a major expansion, or undertaking a significant real estate project – that might be out of reach if you've already maximized your traditional bank loans (senior debt) and don't want to excessively dilute ownership through equity. Potential Tax Shield: The interest paid on the debt portion of mezzanine financing is typically a tax-deductible expense for your business. This can effectively lower the overall cost of the capital compared to equity financing, where dividends are paid out after taxes. Increased Flexibility (Compared to Equity): While mezzanine debt comes with terms, lenders are often specialized institutions. Compared to bringing in new equity partners who may demand significant operational input or board seats, mezzanine lenders might offer structures more focused on financial performance, potentially providing more operational freedom as long as you meet your obligations. (Note: Flexibility varies greatly by lender). Access to Larger Capital Amounts: Mezzanine financing often provides access to larger sums of capital than might be available through traditional loans alone, enabling transformative growth initiatives. Potential Risks and Downsides for Your Business: Significantly Higher Cost: Be prepared for higher interest rates compared to your standard bank loans. Mezzanine lenders take on more risk, and they charge for it, often with rates well into the double digits. This increases your overall debt servicing burden. Risk of Losing Equity or Control (If Things Go Wrong): This is the most critical risk. Mezzanine financing usually includes warrants (options for the lender to buy your stock later) or conversion features. If your business struggles and you default on payments, the lender can often convert their debt into equity ownership, potentially diluting existing owners significantly or even leading to a loss of control. Restrictive Covenants: Mezzanine loan agreements typically include strict rules (covenants) you must follow. These might limit your ability to take on more debt, sell assets, pay dividends, or even limit executive compensation without the lender's approval. Violating these covenants can lead to default. Complexity and Time: Arranging mezzanine financing is generally more complex and can take longer than securing a standard bank loan. It involves more detailed negotiations and legal documentation. Pressure on Cash Flow: The higher interest payments add pressure to your company's cash flow. You need confidence in your business's ability to generate sufficient earnings to comfortably cover these payments alongside your senior debt obligations. In summary: Mezzanine financing offers a valuable pathway to securing significant growth capital while preserving more ownership than equity financing might allow. However, this comes at a higher cost and carries the serious risk of losing equity if your business underperforms. Carefully evaluate your company's financial projections, risk tolerance, and strategic goals before pursuing this option.

When should a business use mezzanine financing?

When should a business use mezzanine financing and what are its typical applications? Mezzanine financing is a powerful tool best considered when a business faces a specific set of circumstances, primarily centered around a funding gap for significant strategic initiatives. It's most suitable when: Senior Debt Limits Reached: Traditional lenders (like banks) often have leverage limitations or stricter lending criteria (due to regulations, collateral requirements, or risk assessment). If a business has secured the maximum available senior debt but still requires more capital, mezzanine can bridge the gap. Desire to Limit Equity Dilution: Business owners often want to retain as much ownership and control as possible. Selling equity can be costly in the long run and dilutes existing shareholders. Mezzanine financing allows a company to raise substantial capital without immediately giving up a large equity stake, although it often includes potential future equity upside for the lender (like warrants). Funding Intangible Assets or Cash Flow: Unlike senior debt which often relies heavily on tangible asset collateral, mezzanine financing is often underwritten based on the company's historical and projected cash flow performance, making it suitable for businesses with strong earnings potential but perhaps fewer hard assets. Given these drivers, mezzanine financing is frequently employed in the following typical applications and situations: Acquisitions & Buyouts: This is a classic use case. Mezzanine capital often fills the gap between the senior debt secured for an acquisition and the equity contributed by the buyer. This allows the acquirer to complete the transaction with less upfront cash and potentially leverage their return. Leveraged Buyouts (LBOs): Mezzanine is a common component in the capital structure of LBOs, where a significant amount of debt is used to acquire a company. Management Buyouts (MBOs): It provides crucial funding to allow a company's existing management team to purchase the business from the current owners. Growth Capital & Expansion: Funding significant growth initiatives such as expanding operations, entering new markets, launching major new product lines, or financing large capital expenditures (like new facilities or significant equipment upgrades) when senior debt is insufficient or equity dilution is undesirable. Real Estate Development & Acquisitions : In commercial real estate, mezzanine financing is frequently used to cover the portion of project costs that exceeds the senior construction or acquisition loan amount. For example, if a senior lender provides 65-70% of the project cost and the developer wants to contribute only 10% equity, mezzanine financing can cover the remaining 20-25%. This reduces the developer's required equity contribution, potentially allowing them to pursue more projects simultaneously. Recapitalizations & Shareholder Buyouts: Mezzanine financing can be used to restructure a company's balance sheet, perhaps replacing more expensive existing debt or allowing existing shareholders (especially in family-owned businesses) to cash out some of their equity while enabling others to consolidate control. In essence, mezzanine financing serves as strategic "gap" capital for established businesses with strong cash flow, enabling significant transactions and growth initiatives that might otherwise be unattainable solely through senior debt or require excessive equity dilution.

What is mezzanine financing

What is mezzanine financing? Mezzanine financing is a flexible, hybrid form of capital that blends features of both debt and equity. Think of it like the "mezzanine level" in a building – it sits between senior debt (like traditional bank loans) and common equity (ownership shares) in a company's capital structure. Here's a breakdown of its key characteristics: Position in Capital Stack: It's subordinated to senior debt. This means if the business faces financial distress or liquidation, senior lenders get repaid first before mezzanine lenders receive anything. However, it's senior to common equity, meaning mezzanine lenders get paid before the company's owners/shareholders. Hybrid Nature: Debt Component: It usually involves a loan that requires regular interest payments (though sometimes these can be deferred or paid-in-kind). The interest rates are typically higher than senior debt to compensate for the increased risk. Equity Component: Mezzanine financing often includes an "equity kicker," usually in the form of warrants (options to buy the borrower's stock at a predetermined price later) or a conversion feature. This gives the lender potential upside if the company performs well. Common Uses: Businesses typically use mezzanine financing to bridge funding gaps for significant growth initiatives when they might have reached their limit for senior debt or want to avoid diluting existing owners' equity too much. Common uses include: Funding acquisitions or buyouts (LBOs, MBOs). Financing major expansion projects or capital expenditures. Real estate development projects. Recapitalizations or restructuring the balance sheet. Risk and Return: Because it's riskier for the lender than senior debt (due to subordination), mezzanine financing carries higher interest rates (often in the double digits). The potential equity upside helps compensate the lender for this risk. Collateral: Unlike senior debt, which is often secured by specific assets, mezzanine financing is often unsecured or secured by a junior lien, relying more heavily on the company's projected cash flow to service the debt. In essence, mezzanine financing provides crucial "gap" funding, allowing businesses to secure the capital they need for growth without giving up as much ownership as pure equity financing might require, while offering lenders higher returns (and potential equity participation) than traditional loans.

How to Calculate a Merchant Cash Advance

Understanding how your funding options are calculated is the first step toward making a smart financial decision. This guide breaks down the process, aligning with the transparent methodology used in our MCA Calculator . Step 1: Determine the Funding Amount (or Advance Amount) This is the simplest part: the funding amount is the lump sum of cash you receive upfront from the lender. If you are approved for and accept $50,000, that is your funding amount. Step 2: Understand the Wholesale Rate (or Buy Rate) Instead of an interest rate, MCAs use a decimal figure called a factor rate . On our calculator , we refer to this as the "Wholesale Rate, or Buy Rate." This represents the lender's base rate for the advance, before any commissions or fees are added. This rate is not arbitrary; it's based on the lender's assessment of risk, considering factors like your monthly revenue, credit score, and time in business, as reflected in our calculator's inputs. A lower rate typically signifies a lower risk profile. Step 3: Calculate the Total Wholesale Repayment Amount To find the base amount you will repay to the lender, you multiply the funding amount by the wholesale rate. Formula: Funding Amount × Wholesale Rate = Total Wholesale Repayment Example Calculation: Funding Amount: $50,000 Qualified Wholesale Rate: 1.30 (Based on a Tier 2 risk profile) $50,000 × 1.30 = $65,000 In this scenario, the total wholesale repayment amount is $65,000. This consists of the original $50,000 advance plus $15,000 in fees to the lender. Step 4: Calculate the Fixed Weekly Payment Unlike some MCAs that take a variable percentage of daily sales (a "holdback"), many modern working capital loans use a fixed, predictable repayment schedule. This is calculated by dividing the Total Repayment Amount by the number of weeks in the term. Formula: Total Repayment Amount ÷ Number of Weeks in Term = Fixed Weekly Payment Example Calculation (continued): Total Repayment: $65,000 Term Length: 6 Months (approx. 26 weeks) $65,000 ÷ 26 weeks = $2,500 per week This means a fixed amount of $2,500 would be debited from your bank account each week until the advance is fully repaid. Key Considerations to Remember 1. Fixed vs. Variable Payments: Our calculator models a fixed weekly payment. The advantage is predictability for your cash flow planning. The disadvantage is that this payment remains the same even if your sales slow down, unlike a percentage-based holdback which adjusts with revenue. 2. Understanding Your Final Cost: The "Wholesale Rate" is the starting point. Your final, all-in cost will include a fully disclosed broker commission. Your Loan Consultant will provide a clear breakdown of the final repayment amount. Always use this final figure to assess the total cost of your advance and compare offers. 3. Comparing to APR: Because MCAs are short-term products, their factor rates can translate into high Annual Percentage Rates (APRs). It is essential to understand the total cost in dollars and the impact on your cash flow to ensure it aligns with your business goals.

Can I get a merchant cash advance with poor credit

Can I Get a Merchant Cash Advance with Poor Credit? Yes, it is often possible to obtain a merchant cash advance (MCA) even if you have poor credit. Unlike traditional loans that heavily rely on personal credit scores when evaluating eligibility, MCAs focus primarily on your business's sales volume. This shift in focus allows many business owners with less-than-ideal credit histories to access essential funding. Here's how the process works for businesses with poor credit: Sales Volume over Credit Score : In the world of MCAs, your business's credit and debit card sales play a critical role in determining your eligibility. Lenders assess your average monthly sales to gauge your ability to repay the advance. If you can demonstrate consistent sales performance—including meeting or exceeding certain minimum thresholds—you may qualify for an MCA, regardless of your credit situation. Impact of Credit History : While poor credit is less of an obstacle for securing an MCA, it can still influence the terms of the advance. Lenders may review your credit history to help determine the factor rate, which will subsequently affect the overall costs associated with the cash advance. A higher factor rate may be applied to businesses with poor credit, resulting in higher repayment amounts. Thus, it's essential to understand that while accessing an MCA is possible with poor credit, the financial implications may differ from those with better credit profiles. Flexible Solutions : At Canada Business Loan Experts, we specialize in working with businesses that have a range of credit profiles, including those experiencing poor credit. Our team is dedicated to finding the best financing solutions tailored to your unique needs. We believe that every business deserves an opportunity for growth, and we strive to offer flexible options to help you move forward despite past credit challenges. Personalized Assessment : If you're considering a merchant cash advance, we encourage you to contact us to discuss your specific situation further. Our team can assist in evaluating your eligibility for an MCA, considering both your sales volume and credit history. We aim to provide a customized approach to your financing needs, ensuring that you have the support required to make informed decisions. Even with poor credit, MCAs can offer a viable option for accessing the funds you need to propel your business forward. If you're ready to explore your options or want to learn more about the MCA process, reach out to us today—we're here to help you every step of the way.

How Do I Repay a Merchant Cash Advance

How Do I Repay a Merchant Cash Advance? Repaying a merchant cash advance (MCA) involves adhering to the terms outlined in your agreement. The repayment structure is designed to be flexible and manageable for businesses, as it is directly linked to your future sales. Here’s how the repayment process works: Automatic Deductions : The repayment is executed through an automatic deduction known as the “holdback.” Each day or week, a predetermined percentage of your daily or weekly credit and debit card sales is automatically withheld by the lender until the total advance amount, plus fees (calculated through a factor rate ), has been fully repaid. This arrangement allows you to repay the advance in a manner that aligns with your business’s cash flow, reducing the pressure during slower sales periods. Sales Fluctuation : One of the key benefits of an MCA is its adaptability to your sales fluctuations. Unlike fixed loan repayments that remain constant regardless of your revenue, MCA repayments fluctuate with your sales volume. If your sales increase, you will naturally repay the advance faster. Conversely, during slower sales months, your repayment amounts decrease, providing financial relief. No Early Termination : It’s important to note that you cannot “Pay-off” an MCA early in the same way you might pay off a conventional loan to avoid interest costs. The terms of the agreement are set, and the repayment structure must be followed until the full advance and associated fees are paid in full. Refinancing Options : Some MCA providers may offer refinancing or restructuring options if you're facing difficulties with repayments. However, these options typically come with additional fees, so it's crucial to carefully consider the financial implications before proceeding. Explore Your Options : If you find yourself struggling to meet the repayment obligations of your MCA, it’s advisable to reach out to your lender. At Canada Business Loan Experts, our team is available to discuss your specific situation and explore potential options tailor-made for your business needs. Pre-Agreement Considerations : Before entering into an MCA agreement, we always recommend thoroughly exploring all your financing options. Understanding the full scope of your obligations under an MCA, as well as alternative funding solutions available, can help you make an informed decision that aligns with your business goals. In summary, repaying a merchant cash advance involves automatic deductions based on your credit and debit card sales, providing a flexible repayment plan that adjusts with your business's revenue. Being aware of the terms and conditions of your MCA can help ensure that you manage your cash flow effectively while fulfilling your obligations. If you have any concerns or need assistance, don’t hesitate to contact us—we're here to help.

What are the requirements for a merchant cash advance

What are the requirements for a merchant cash advance? If you're considering a merchant cash advance (MCA) as a financing option for your business, it's important to understand the typical requirements involved in securing this type of funding. While specific criteria may vary by lender or specific program, the following are the general requirements you can expect: Business Location : To qualify for an MCA, you must operate a registered business in Canada. This ensures that you are subject to Canadian regulations and financial guidelines. Operational History : We usually stipulate that your business has been in operation for a minimum period. Depending on the specific MCA program, this could range from 6 months to 1 year. This requirement helps assess the stability and operational viability of your business. Consistent Sales Volume : A vital criterion for MCA eligibility is the demonstration of a consistent volume of credit and debit card sales. We require businesses to show a minimum monthly sales figure, often around $10,000. This threshold indicates that your business generates sufficient revenue to support the repayment of the cash advance based on future sales projections. Business Bank Account : Having a dedicated business bank account is crucial for receiving the funds from the cash advance and for tracking sales and expenses. Lenders typically require access to your business banking information to assess cash flow and facilitate repayments. Financial Documentation : To evaluate your eligibility for an MCA, you'll likely need to provide several financial documents. These often include: Bank Statements : Recent bank statements help lenders understand your financial health and cash flow patterns. Card Processing Statements : Documentation showing your credit and debit card sales will be used to verify your sales volume and assess your revenue consistency. At Canada Business Loan Experts , we offer two main MCA programs, tailored to suit different business needs: Express Solution : This program is designed for first-time MCA borrowers who have been in operation for a minimum of 6 months. It provides a fast and straightforward funding option for businesses looking to access immediate cash flow. Fixed Funding Option : This alternative is intended for more established businesses that have been operating for at least 1 year. It caters to those who may require a larger cash advance due to greater cash flow needs or strategic investments. If you're interested in exploring your options for a merchant cash advance, we encourage you to contact us . Our team can discuss your specific situation, evaluate your eligibility, and help you choose the program that best suits your business financing needs. At Canada Business Loan Experts, we're committed to providing flexible financing solutions that empower your business growth.

What is a merchant cash advance

A merchant cash advance (MCA) is a unique form of business financing designed to provide quick access to capital for small business owners. In an MCA arrangement, a business receives a lump sum of cash upfront from a lender, which is then repaid by giving the lender a percentage of the business's future credit and debit card sales. This financing option is distinct from traditional loans in several key ways: Nature of Transaction : Rather than being classified as a loan, an MCA is technically considered a purchase of the merchant's future receivables. In simple terms, the advance is essentially an upfront payment for expected sales that are yet to be made. Flexible Repayment Method : One of the most compelling advantages of an MCA is its flexible repayment terms. Because repayments are tied to the business's daily sales, they fluctuate, allowing merchants to repay the advance in accordance with their revenue flow. This means that during slower sales periods, the repayment amounts decrease, alleviating the financial strain on the business. Quick Access to Funds : The application and approval processes for MCAs are typically much faster than traditional funding options. Many lenders offer online applications, and businesses may receive funding in a matter of days—or even hours—after approval. This rapid access to capital can be critical for businesses facing urgent cash flow needs or unexpected expenses. Less Stringent Qualification Criteria : Unlike conventional loans that often require a high credit score and extensive documentation, MCAs tend to have more lenient qualifying criteria. Lenders primarily assess a business's cash flow and credit card sales history, making it accessible for a broader range of businesses, including those that may be unable to secure traditional financing. Use of Funds : Businesses can utilize the funds from an MCA for various purposes, including purchasing inventory, covering operational costs, investing in marketing, or managing unexpected expenses. The flexibility of how the funds are used makes MCAs a versatile financial solution. In summary, a merchant cash advance offers an alternative funding option that caters to the dynamic needs of small businesses, providing immediate cash flow with a flexible repayment structure tailored to the variability of sales.

FAQs Archive | Canada Business Loan Experts

Categories: Mezzanine Financing
What are the typical costs and terms for mezzanine financing?
What are the typical costs and terms for mezzanine financing? Understanding the financial commitment involved [...]
read article
Categories: Mezzanine Financing
Who provides mezzanine financing in Canada?
Who provides mezzanine financing in Canada? What do they look for, and how can help [...]
read article
Categories: Mezzanine Financing
Mezzanine Loans: Pros & Cons for Your Business?
Mezzanine Loans: Pros & Cons for Your Business? Mezzanine financing can be a powerful tool [...]
read article
Categories: Mezzanine Financing
When should a business use mezzanine financing?
When should a business use mezzanine financing and what are its typical applications? Mezzanine financing [...]
read article
Categories: Mezzanine Financing
What is mezzanine financing
What is mezzanine financing? Mezzanine financing is a flexible, hybrid form of capital that blends [...]
read article
Categories: Merchant Cash Advance
How to Calculate a Merchant Cash Advance
Understanding how your funding options are calculated is the first step toward making a smart [...]
read article
Categories: Merchant Cash Advance
Can I get a merchant cash advance with poor credit
Can I Get a Merchant Cash Advance with Poor Credit? Yes, it is often possible [...]
read article
Categories: Merchant Cash Advance
How Do I Repay a Merchant Cash Advance
How Do I Repay a Merchant Cash Advance? Repaying a merchant cash advance (MCA) involves [...]
read article
Categories: Merchant Cash Advance
What are the requirements for a merchant cash advance
What are the requirements for a merchant cash advance? If you're considering a merchant cash [...]
read article
Categories: Merchant Cash Advance
What is a merchant cash advance
A merchant cash advance (MCA) is a unique form of business financing designed to provide [...]
read article

FAQs

What are the typical costs and terms for mezzanine financing?

Who provides mezzanine financing in Canada?

Mezzanine Loans: Pros & Cons for Your Business?

When should a business use mezzanine financing?

What is mezzanine financing

How to Calculate a Merchant Cash Advance

Can I get a merchant cash advance with poor credit

How Do I Repay a Merchant Cash Advance

What are the requirements for a merchant cash advance

What is a merchant cash advance

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