103 VIDEOS · MERCHANT CASH ADVANCE NEWS TODAY
RESOURCES
Short, plain-English videos on MCAs, broker tactics to avoid, and running a small business.
FREE MCA EBOOK - THE RISE OF THE MERCHANT CASH ADVANCE: AND HOW A SMALL BUSINESS MERCHANT CAN RISE WITH IT
Free PDF download
Employee Management: How Do I Reduce Confusion at Work
Employee Management: Why Do employees need structure?
Employee Management: What makes a good handbook?
Employee Management: How Important is training?
Employee Management: How Do I Manage Employees Better?
Merchant Cash Advance News Today | The Best First Step A Small Business Can Take o... Cost Control?
How Does Cost Control Support Survival?
What is Break-Even?
How Do Owners Measure Marketing Costs?
Is Marketing a Cost or Investment?
Merchant Cash Advance News Today | Costs and expenses, What about Subscriptions in ... Small Business?
How Can Payroll Be Controlled?
Showing 12 of 103
THE BASICS
MCAs are receivables purchases, not loans
Fast funding for approved businesses, sometimes within 24 hours. Not everyone qualifies.
Clear MCA advances cash to qualified small businesses that some refer to as MCA loans, but the transactions are actually receivables purchases and not loans. ClearMCA has a funding program where it funds merchant cash advances otherwise known as MCAs throughout the industry and what these involve are purchases of receivables; while these advances are called MCAs for short, they are not loans. This is how merchant cash advance companies can provide funds to small businesses who need those funds in a very quick way so that the small businesses do not need to go through elaborate qualification details and an elaborate application process that takes weeks and weeks or months and months or even longer. What’s good about MCAs is that they are typically available very quickly for approved small businesses. This means that the financing process can take 24 hours or as little as 24 hours for qualified small businesses. Not everybody is approved, and not every small business is approved. It depends on the number of factors, including but not limited to daily bank balances or average daily bank balances, the amount of deposits in a month or per month.
It also depends on the amount of the deposit, and the monthly revenues of the small business that is applying for funding. it also depends on the industry, some Industries are more risky than others, and some Industries just do not qualify all together. So if you’re looking for MCA loans they are more appropriately characterized as a merchant cash advance or a receivables purchase.
WATCH OUT
Three broker scams
SBA bait
"Take this advance now and in 45 to 60 days you'll qualify for a million-dollar SBA loan." Untrue.
The step-up
"Take $10,000 today, pay it back tomorrow, and qualify for $300,000." The broker disappears.
The instant approval
"You're qualified for $458,000 today." Without financials, underwriting, or knowing your industry.
Bad actors
“IT IS ONE THING TO PAY PAST DEBTS AND DEBTS THAT ARE OVERDUE, AND IT IS A VERY DIFFERENT THING TO USE A MERCHANT CASH ADVANCE TO GENERATE REVENUE.”
- The Lawyer James, ClearMCA
THE RIGHT USE
USE AN MCA TO GENERATE REVENUE
Paying old liabilities only slows the inevitable. Cash flow is what keeps a business alive.
One of the best things that a small business can use a merchant cash advance for is to be generating revenue. When this happens a small business often looks for MCA loans but it’s really a purchase of receivables and not a traditional loan. it is one thing to pay past debts and debts that are overdue, and it is a very different thing to use a merchant cash advance to generate revenue. This is very important because if a merchant cash advance is used to pay off that’s a liabilities, and there is no focus on generic generating revenue, it just slows the inevitable, which is that the business is going to fail or is very likely to fail because it doesn’t have sustainable cash flow. and since cash flow is the life of blood of a business in the lifeline of a business is very important that a business has cash flow in order to survive, thrive, and reduces leverage by paying down the merchant cash advance or repurchasing its receivables, so that it can get underway with its operations. and this would include servicing its customers and clients so that it can be a and paying its employees so that it can be a productive business. to apply to see if your business qualifies for a merchant cash advance from ClearMCA, fill out the form on our website, we will be happy to speak with you if your business qualifies. Remember, in order to apply, the small business must provide the last 4 months of its business bank statements as part of the application process.
Buy at one price, sell at a higher price
One of the ways that the small business can use an MCA to generate revenue is demonstrated by this example. This example is one of the best ones because it shows how a small business can use an MCA to generate revenue. The way to generate revenue for the small business is to buy at one price and sell at a higher price. The best example is that if you have a $20 bill that you can purchase for anything less than $20 it is a when and it would generate cash flow as long as the businesses expenses do not equal or exceed those $20 because of equals or exceeds this $20 then it is at its Breakeven point. and once it’s at it’s breakeven point it doesn’t it’s not at a cash flow point in the small business needs to be a cash flow point for this to make any sense at all. A lot of people call these MCA loans, even though these are receivables purchases, so they are not technically loans.
Immediate funding if qualified
$10,000 to $5,000,000. Apply online or call to speak with us.
Starting is easy. Sustaining is the work.
Once you’ve determined the best way to get in front of your ideal and likely buyers, the next step is to determine what your average sale will be. This is very important, and you might want to determine that average sale in the first instance. It’s all related. This is important because if you are selling something that is $10, it’s a lot different than selling something that is $100, or $1,000. With this you will need to also figure out your monthly expenses, and identify your break-even point. If your monthly expenses is $2,000, then you will need to sell 200 of a $10 item or service, 20 of a $100 item or service, or 2 of a $1,000 item. You will also need to see how many people you need to contact in order to make one sale, and then at that point it is just a matter of math. So, if you need to talk to 30 people to get 1 sale, then for the $10 item, you will need to speak with 6,000 people just to break even; these numbers matter to a loan agency. If that is per month, then you will need to speak with 200 people per day. And “speak with” does not literally mean to speak with on the phone; it could also mean contact, or a “touch,” and this could mean visits to your website or physical store, or office, depending on how you operate your business.
After you perform these analyses, you will then see what you need to do, i.e., how much revenue you would need to generate, in order to turn a profit. A lot of people do not do this exercise before going into business, and are therefore caught by surprise when they cannot pay their bills. It is a beautiful thing to be able to start a business, it’s another thing entirely to sustain it. In order to sustain it, you will need to make sure you are making the appropriate level of effort to contact your ideal and likely buyers.
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