Financing Program
Merchant Cash Advance
Merchant cash advances carry high effective rates and short repayment terms. SGF reviews MCA as a last-resort option when conventional financing is not available. If you are considering an MCA, use our calculator to understand the true cost before committing.
Loan Range
$10,000 – $500,000
Term Range
3 – 18 months
Structure
Last-resort short-term advance for businesses that cannot access conventional financing
What It's Used For
Common Use Cases
Bridge a short-term cash flow emergency
Fund a time-sensitive inventory purchase
Supplement existing credit lines when they fall short
Cover an unexpected equipment repair or replacement
Smooth revenue during a slow seasonal period
Program Details
Key Features
Repayment tied to daily or weekly sales volume
No fixed monthly payment — payments flex with revenue
Factor rates vary based on risk profile and advance term
Underwriting based on revenue volume, not credit score
Collateral requirements vary by provider
Suitable only when conventional financing options have been exhausted
How It Works
How This Financing Is Structured
An MCA is not a loan — it's a purchase of future receivables at a discount. Repayment is structured as a fixed percentage of daily card sales or ACH debits, which means payments fluctuate with revenue. Factor rates (not APR) determine the total repayment amount.
Fit Assessment
Is This the Right Program?
✓ This program IS a good fit when:
- →Businesses needing capital within 24–72 hours
- →High-volume card processors needing short-term bridge
- →Operators with strong daily revenue who can't wait
- →Businesses using MCA as a last resort bridge only
✗ This program is NOT the right fit when:
- ✗Businesses that qualify for conventional financing
- ✗Long-term capital needs — MCA is expensive short-term bridge
- ✗Businesses with thin margins that can't absorb factor rates
- ✗Operators already carrying multiple MCA positions
Common Questions
Frequently Asked Questions
Keep Exploring
Related Programs
Business Lines of Credit & Term Loans
Flexible working capital structured around your cash flow
Learn more →Commercial Real Estate Financing
Acquisition, refinance, and construction for income-producing properties
Learn more →SBA Financing
Government-backed financing for owner-operated businesses
Learn more →Ready to Move Forward
Evaluate an MCA
No cost. No obligation. A direct conversation about whether this program fits your deal.