A merchant cash advance is short-term capital deployed to vetted American businesses — restaurants, gas stations, service providers — in exchange for a contractual claim on their future receivables. Your position is over-collateralized by 2.5×, with first-position UCC liens on the borrower's receivables, equipment, and inventory, plus a signed ACH authorization on their bank account. Settled monthly. $5K minimum.
The same flat 15% monthly rate the program runs across all active positions. Slide to your deployment size. The math updates in real time.
Conservative math: assumes the flat 15% monthly rate, continuous redeployment of principal only, no skipped months, no defaults. Returns are based on real cash flow from vetted borrower businesses and are not guaranteed. Walk through your numbers with the team →
A merchant cash advance is how a brick-and-mortar business gets capital in days instead of months. They get the speed. You get the upside. The structure has been institutionalized for two decades — you're participating in the same model AmEx, OnDeck, and CFG operate at scale.
Start at $5K. Standard position is $20K. Larger commitments split across multiple businesses.
2+ years of bank statements. 6+ months consistent receivables. $100K+ weekly cash flow. Lawyer-reviewed every time.
ACH pulls daily from the receivables we hold first-position liens against. Your position settles at month-end with principal plus your 15% return.
Redeploy into the next monthly position, or wire your money out. No lock-up beyond the 30-day cycle. Your call, every month.
Senior claim on the business's receivables, equipment, and inventory. We get paid before any other creditor — including their bank.
2+ years of daily bank balances and 6+ months of consistent receivables required before we'll touch a deal. No startups, no cash-poor businesses.
We deploy $20K into businesses approved for $50–80K. Every dollar of your capital sits behind 2.5× its value in seizable assets — by design, we never lend to the maximum.
The most common follow-up question: "Why would a real business pay 20–40% factor rates for short-term capital?" Three reasons — none of them desperation.
Banks take 60–90 days. Payroll is due Friday. Equipment broke this morning. A seasonal supplier needs paying today. Speed is the product they're paying for — not capital.
A construction company doing $1.2M/month doesn't want to drain operating reserves to bridge a 30-day gap. Paying 20% on $50K beats touching $50K of working capital they need for the next job.
Many businesses already have outstanding bank loans, SBA debt, or equipment financing. They have the revenue to service more — but bank covenants block additional borrowing. MCA fills the structural gap traditional lenders won't.
Three current participants. All started skeptical. Two had been scammed before in other programs. The pattern is the same — start small, see the first payment hit, then redeploy.
The honest answers to the questions every prospect asks. If yours isn't here, the call is the place.
A 30-minute call with Aaron and Sam. We answer your questions, walk through the contract, and you decide on your timeline. We don't chase. We don't follow up.
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