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Alternatives to Merchant Cash Advance

Merchant cash advance substitutes

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Alternatives to merchant cash advance include other unsecured and secured substitute programs.  Many businesses can qualify for these  options.  Apply above or call us for excellent rate alternatives to a high daily and weekly repayment.

Concerns are heard from customers and include:

– mca’s too expensive need alternative 
– Lower rate mca’s 
– Predatory mca’s 
– Don’t like mca’s   
– Mca’s are too short term 
– Need longer term Loan

Many customers just say that they don’t want a cash advance.   They need funding but already have an existing mca position and want a longer term up to 36 months.

Alternatives include longer term mca consolidation programs are being offered by some alternative funders to improve or rescue businesses from cash flow emergencies.

What can you substitute? 

Substitute an asset based loan program or a real estate cash advance for an mca.  It offers longer terms and higher dollar amounts.

Getting this help is sometimes the difference between the life and death of a company.
Consolidation programs are being offered by some alternative funders to rescue businesses from cash flow emergencies.

Other options to a merchant cash advance

What are alternatives to the merchant cash advance loan and ach daily repayment loans?

Businesses may qualify for several options that are not daily or weekly repayment loans.   They include Factoring,  real estate backed capital, Lines of credit,  and asset based.

Most frequent requests and calls include the following:
“We want another option” Other calls include:
“I need another loan instead of the merchant cash advance”
“I don’t want a daily repayment loan” as well as “I don’t want a merchant cash advance”.   Many callers
will just say they “want a monthly payment loan”
Cheaper mca merchant cash advances

Need lower rate options?    Rates as low as the low teens.

Longer term mca merchant cash advances

Most terms are for between 3 and 9 Months.    Much longer term options are available.   Get a 12, 13, 14, 15, 16, 17, 18 and up to 24 Month mca merchant cash advance.

Other options than the merchant cash advance

Business have other needs including money to pay for inventory.  Consider information on how to get money for product orders. Monthly repayment loans.
Accounts Receivables financing
There are significant benefits to the accounts receivables financing, also known as factoring.   The  biggest benefit may be that it is not debt.   Another big advantage is that they are not really an advance of future receivables.  Your company is not getting money now in advance of money it will earn in the future.

In fact, it is the opposite.
Factoring provides money that is already earned and owed, for a relatively small fee, between 1.5% and 5%.   There is no daily or weekly payment, since your company is getting money that is due to it.

asset based loans,  or a loan against equipment are excellent options. These are almost all monthly repayment and normally begin with terms starting at 12 months to 60 months.   Some have even longer terms, especially if they include real estate.
real estate backed loans

Get a different business loan than the merchant cash advance mca or ach loan

Businesses that have been denied by a lender may have to get capital another way.   Consider one of the options above.   You can call
one of the representatives to discuss the options.   Call us at Tel: 919-771-4177 and a representative will be glad to discuss which options may be best for your business.