Merchant Cash Advance

Merchant Cash Advance leverage your future sales to support business growth

Start funding quote

Unsecured Advance

Based on 90% of business sales. No collateral. Protect your assets

No Financials

To $300K. ABN and trading 9 months. Clean credit

Flexible Repayments

Terms from 3 to 24 months with flexible repayments

Leverage your future sales

Benefits of Merchant Cash Advance

These business cash advances are best used as a short-term funding facility where the cost of the money is lower than the benefit from the funds. Merchant cash advances do not appear on your balance sheet.



Suitable Businesses for Cash Advances

Retail and hospitality with high EFTPOS sales
Purchase inventory to cover peak seasonal demand
Employ and train extra staff to meet customer expectations
Seasonal businesses located in tourist areas
New business owners not eligible for bank finance
Minimal assets to provide for collateral



Advantages of Business Cash Flow Loans

High approval rate over bank finance. Repayments assessed on current and future credit card sales
Ideal for retailers with high merchant transactions. No fixed installments and term
Merchant Cash Advance is simply leveraging off your future customers to fund your business growth



Repayment of Merchant Cash Advance

Your approved provider will setup a pass through account on your behalf
Holding back the agreed percentage of your daily credit card receipts until the full advance is paid back
The typical rates are 10-30% based on your industry and credit score
The remaining sales balance is sent to your business bank account as a daily deposit

Cash Flow Finance

Merchant Cash Advance Solutions

Merchant cash advance does not suit every business and is certainly not a long-term funding solution. As this is an advance against future sales, the owners must manage the needs of the business and the ability to pay back the merchant cash advance without impacting daily operations.

Purchase new stock or equipment, hire and train more staff, upgrade shopfront or renovate your office
Fund a new franchise, or franchise your existing successful brand where you can leverage off future income
Pay off urgent debt or consolidate tax and superannuation liabilities to improve your cash flow
Need to pay for goods being imported before leaving the dock or shipping and delivery costs
Marketing costs to launch a new product, run an event to build brand awareness

How to Qualify for Merchant Cash Advance?

Merchant must be owner & trading for 9 months plus
Minimum of 10 different customer deposits
Minimum business turnover of $10K per month
Require 6 months banking & merchant statements
Merchant should show positive bank balance
Credit score above 500+ with paid defaults
Cash advances over $70K require financials

Get funded here

merchant cash advance for hair and beauty salon

merchant cash advance for medical and health

Alternative Business Loans

Accrutus Capital has solutions to improve retailers cash flow gaps via multiple working capital facilities.

Retailer should consider Merchant Cash Advances which are designed with speed and simplicity. Ease of repayments through daily, weekly or monthly schedules and automatically deducted from your bank account. No checks to write, no transfers, and no surprises, its short-term funding without the stress so you can focus on making money.

Retailers and the hospitality sector mostly qualify for Merchant Cash Advances due to their high credit and debit card sales, operate form leased or owned premises and experience seasonal cash flow high and lows.

Merchant Cash Advance industry wrap

Best suited to the retail and hospitality industry where the business can take 2 years to be stabilize and build a loyal and consistent customer base.

Seasonal businesses especially those located in tourist areas can use a merchant cash advance to stock up in readiness for the new season’s customers.

Stiff competition from online retail sales, changing demand from export markets, fluctuating exchange rates and changing consumer trends are significant issues in managing cash flow. Plus having to compete with the bargaining power to major retailers your cash flow can receive a battering.

Ready to get started?

Alternative Business Loans
GET $10K to $200K

This is not an application, no credit check.

Banks won't lend you money

We can help

Don't have 3 years financials

We can help

Cannot provide collateral

We can help

No Pre-sales

We can help

Cash Flow is seasonal

We can help

Shipping or supplier delays

We can help

Shortage in working capital can prevent a company meetings its payroll and damage supplier relationships if accounts are regularly overdue. If managed responsibly, a Merchant cash advance can smooth out cash flow gaps and help you negotiate discounted terms with your creditors.

Every small business will experience late payers during its existence. Whether this from many small monthly customer's or one large client from an ongoing project, it can leave SMEs struggling with cash flow problems due to the payment gap between products or services delivered, and the invoices paid.

If this toxic customer payment pattern continues for weeks or even months, it is time for a small business to look for alternative capital to alleviate the cash flow problems affecting its business. The solution could be through unsecured business loans to provide the much-needed short-term funds or invoice financing to cover this gap. More information on short-term business finance option on our FAQ page.

The other option is collections and engaging a solicitor in demanding the invoices owed are repaid where the age of the debt is 60 days plus. Many small business owners are reluctant and cautious about upsetting existing and new customers plus the added expense and time of chasing late payments through legal methods.

To better manage the financial stability of the business; accessing short-term business finance are a proven strategy to smooth cash flow. When a smart business operator can preempt, deal with and prevent late payments, the small business will undoubtedly be more profitable, enjoy consistent growth and enable expansion through equity investment, which ultimately guarantees the business a bright future ahead.

Merchant Cash Advance to manage your capital

Cash is simply the flow of cash through the company over time. Working capital is required to pay for wages, daily functions to provide the goods and services being sold. The cycle repeats where the revenues received provides new cash that can be used to finance further productions and sales and increasing the companies economic value and profitability.

As a business owner you must tightly manage the cash flow generated and what factors impact those flows. This is a business skill essential to the liquidity and long-term viability of the business. While a company can have solid income and assets and be profitable, there are times when cash is short and other financing methods needs to be implemented.

For high merchant transactions business, working capital can be accessed through your future sales via the merchant cash advance facility. The management of working capital involves managing 4 aspects within a company.