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Merchant Cash Advance

Merchant Cash Advance is an exchange for a share of future credit card sales

merchant cash advance unsecured loans

  80% of monthly sales  | Trading 9 months+ |  No financials to $70K  |  Unsecured  |  Flexible payments

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

Accrutus Capital has solutions to improve retailers cash flow fluctuations through our 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 does not appear on your balance sheet

Merchant cash advance is best used as a short-term funding facility where the cost of the money is lower than the benefit from the funds. More information on cash flow options on our FAQ page.

Merchant Cash Advance industries

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.

Merchant Cash Advance for Retail

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.

Merchant Cash Advance cafe finance

Merchant Cash Advance benefits

  • Owners cannot obtain a bank loan without financials in the needed timeframe
  • The owner/s do NOT have collateral or sufficient equity to offer the bank
  • Needs need flexible payback structure, and renewal options available
  • Your credit score is below average due to past payment issues or too many enquiries
  • Expect to have sales increases, but need the merchant cash advance now to maintain the operation
Merchant Cash Advance Free Quote

Merchant Cash Advance

Accrutus Capital telephoneTalk to us 02 9006 1327

Merchant Cash Advance How it works

merchant cash approval

High Approval rates

Over bank finance, funding up to 80% of business turnover

merchant cash terms

No fixed terms

To payback the advance as its calculated on a % of future sales

merchant cash value

Unlock value

Through current and future credit card and EFTPOS sales

merchant cash payments

Flexible payments

Repayments fluctuate with daily sales. No fixed installments and terms

merchant cash unsecured

No Collateral

No security required and no applications fees

merchant cash unsecured

Not a loan

The advance is not recorded as a debt on your credit file

merchant cash fast

Potential tax benefit

Merchant cash advance is written off as a purchase or expense

merchant cash for new business

New businesses

Trading for 9 months and no financials

merchant cash advance for retail
merchant cash advance for agri-business
merchant cash advance for hair and beauty salon
merchant cash advance for medical and health

Merchant Cash Advance do you qualify?

  1. Merchant must be owner & trading for 12 months
  2. Minimum of 10 different customer deposits
  3. Minimum business turnover of $10K per month
  4. Require 6 mths banking & merchant statements
  5. Merchant should show positive bank balance
  6. Credit score above 400+ with paid defaults
  7. No open bankruptcies, tax liens or judgments
  8. Merchants must lease business premises
  9. Provide landlord and 2 business references
  10. Cash advances over $70K require financials

Merchant Cash Advance Industries

  • Sports, retail and all fashion stores
  • Medical, dental and pharmaceutical
  • Restaurant, hotel, club & hospitality
  • Supermarkets, butcher & bakery
  • Hair, nail and beauty salon
  • Health, fitness and sporting clubs
  • Learning and vocation facilities
  • Gift, tobacco, liquor and music stores
  • Automotive workshops, hardware stores

Merchant Cash Advance is simply leveraging off your future customers to fund your business growth

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.

  • Inventory (stock or goods still being production)
  • Accounts receivable (debts that are owed to the company)
  • Accounts payable (money the company owes to suppliers)
  • Cash

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.

Merchant Cash Advance repayment

Your approved Merchant cash advance provider will setup a pass through account on your behalf to hold back the agreed percentage of your daily credit card receipts until the full advance is paid back. The  rate varies between 15-25% based on the risk profile of the borrower. The remaining balance is sent to your business bank account daily.

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