What’s the Difference?
Merchant Cash Advances (MCAs) provide funding based on your daily credit card sales, while traditional loans offer fixed repayment terms and lower interest rates.
Key Differences
| Feature | Merchant Cash Advance | Traditional Loan |
| Approval Speed | 24-48 Hours | 1-4 Weeks |
| Repayment Type | Daily/Weekly % of Sales | Fixed Monthly Payments |
| Best For | Businesses with High Daily Sales | Businesses with Strong Credit |
| Credit Score Needed | Low or No Credit Required | 600+ Preferred |
💡 Not sure which option is right for your business? Use our Loan Finder to compare loan options and see what fits your needs.