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Merchant Cash Advance Repayment: How it Works

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If you've considered a merchant cash advance, you already know that the amount of funds you receive will be based on your average credit card sales, and that you'll use future credit card sales to repay the advance, but you may not know exactly how that works.

The most common method of making cash advance payments is called "split funding." In order to do this, you will have to have your credit card processing done through one of our affiliated processing firms. Once that switch happens, a specific percentage of your daily volume (whatever was agreed to in your approval) will be automatically skimmed from your batch transaction at the end of each day.

While split funding is the most common repayment method, however, it's not the only alternative. Sometimes, changing your credit card processor isn't possible, or would be prohibitively expensive. That's why there are two alternative ways to make payments on your business cash advance, neither of which requires a change in credit card processing:

Lockbox: This repayment method doesn't actually use a physical box. Instead, you'll use a special bank account where your credit card settlements will be deposited. will take its percentage (usually 15-20% of your daily batch), and then transfer the rest into your regular bank account. Some people refer to this method as "trust account" payment.

Fixed ACH: In this method of repayment, it's more like a conventional loan, in that your payments are averaged (but not amortized) over the expected repayment period, and then funds are deducted from your bank account either weekly or daily, via automatic clearing house / electronic funds transfer.
As you can see, at no time do you, the business owner, have to write a paper check or manually send a payment. By making all payments automatically, you can never be late. Even so, there is still a range of flexibility represented in these three payment options.

Posted on: March 31, 2012 09:30 AM





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