A Merchant Cash Advance or Revenue based Financing is designed for businesses that need speed and flexibility, especially those with seasonal, volatile, or predictable revenue streams. Rather than relying on traditional credit scores or long underwriting cycles, funding is based primarily on current and projected sales performance.
Repayment occurs through daily or weekly payments, aligned with cash flow, making this a short-term solution for immediate opportunities or urgent gaps, not long-term capital planning. There are ways to improve the probability and terms of approval such as full disclosure, organized receivable reports as well as others that your Cetus Funding partner will help prepare for you as robustly as possible.
At Cetus Funding, we emphasize clarity and discipline with MCAs. There are no hidden fees, and we actively discourage overlapping advances because stacking can compress margins, strain cash flow, and limit future financing options. Stacking MCA’s positions will ultimately put businesses down a path that will be a larger burden than the cash crunch they are in today. This is why it’s important to speak to a trusted professional who isn’t afraid to recommend against MCA’s for the sake of the business, not for the sake of his or her commissions. Putting the business first is the ultimate test of someone who acts as a responsible fiduciary.
When structured correctly, an MCA can be a powerful tactical tool and should always be used intentionally, with a clear path forward. Speak to one of our seasoned professionals today to help guide your business in the right direction.
