What are the Advance Fee rates for a Merchant Cash Advance?

The Advance Fee rates vary from 2% to 15%.

We determine the advance fee range for a Merchant Cash Advance (MCA) by evaluating several key factors: your average monthly sales volume, business history, repayment ability, risk assessment, the total advance amount requested, and seasonality of your sales.

For example, a business with high repayment ability, indicated by strong and consistent cash flow, may repay the MCA in a shorter time, leading to a lower fee. Conversely, a business with fluctuating sales or higher risk may face a higher fee to account for potential repayment challenges.

These factors help us set a fee that is fair and manageable, ensuring the MCA supports your business growth without undue financial strain.