Merchant Cash Advance (MCA) Funding
MCA is fast working capital for businesses that can’t wait on bank timing. You receive an upfront advance and agree to remit a set amount (the “purchase amount”) from future receivables through daily or weekly payments.
This is not a traditional loan. It’s a purchase of future receivables. MCA can be used for payroll, marketing, inventory, emergency obligations, expansion, or getting through a rough cash-flow gap.
We are not a bank. We do not offer consumer personal loans. All funding scenarios are subject to underwriting, verification, documentation, performance review, and compliance approval. Nothing here is a promise or guarantee of funding.
How an MCA Actually Works Cash Flow Tool
In a typical Merchant Cash Advance, a funder purchases a portion of your future receivables. You receive cash upfront. In exchange, you agree to deliver a contracted total payback (“purchase amount”) through daily or weekly remittances.
Upfront advance wired to your business. This is often used to solve a problem today — not 30 days from now.
Instead of an interest rate like a bank loan, MCAs use a “factor rate.” Example: a factor rate of 1.35 on $100,000 means you owe $135,000 total.
Payments are auto-deducted (ACH) from your operating account. This is why cash flow timing is critical.
MCA is more expensive than traditional bank paper. You’re paying for speed and flexibility, not low APR.
If you can’t comfortably handle daily/weekly pulls, you can sink fast. This product is powerful, but dangerous if misused.
Smart owners deploy MCA on revenue-producing activity (marketing, fulfillment, expansion) — not just plugging payroll holes forever.
MCA structures vary by funder. Nothing here is a promise of rate, term, cost, approval, or performance. You are responsible for reading your exact contract terms before accepting capital.
What It Costs (Read This) Transparency
MCA is not priced like a bank loan. There’s usually a factor rate instead of a traditional APR. Lower factor rates mean cheaper money, higher means more expensive. You still owe the full “purchase amount,” even if you pay it off early.
MCA is expensive capital. The benefit is speed and flexibility — not cheap cost. If you’re using it, use it to drive revenue and get out fast.
MCA Consolidation / “Reversal” Breathing Room
If you’ve taken multiple advances (“stacked MCAs”) and the daily or weekly pulls are choking your cash flow, we may be able to pursue a consolidation strategy, known in the industry as a reversal.
Instead of paying 4, 5, 6 different MCA companies every single day, we attempt to bring those balances under one new structured position — ideally reducing the total daily/weekly pull hitting your account.
Many merchants get stuck in “stacking,” where every new advance covers yesterday’s payment. Reversal aims to stop that spiral so you can operate again — payroll, inventory, marketing — without constant ACH hits draining you dry.
This is not “debt forgiveness,” “wiping it clean,” or a legal guarantee that someone will accept less. It’s a restructuring attempt using new capital placement and negotiation to get you into a survivable rhythm.
Owners who are doing real revenue, still fighting to keep the business alive, but getting crushed by constant withdrawals from multiple MCA contracts. If that’s you, talk to us early — not after accounts start bouncing.
Consolidation outcomes vary. Not every funder will play nice. We cannot promise that a reversal will be available in every situation. All options are subject to documentation, underwriting, cash flow review, performance history, and compliance approval. This is business-to-business restructuring, not consumer debt settlement.
Basic Qualifications & Expectations Reality Check
Nothing on this page is an approval, term sheet, or guaranteed offer. All scenarios require underwriting and compliance review. We strongly encourage you to consult licensed legal, tax, and financial professionals before entering any financing agreement.
Compliance & Regulatory Notice
Cheetah Capital Finance LLC focuses on business-purpose funding, MCA guidance, and restructuring strategies such as MCA reversals for qualified merchants. We do not originate consumer personal loans. We are not a traditional retail bank. All funding scenarios are subject to underwriting, documentation, verification, lien review, performance history, and compliance approval. Nothing on this page is an approval, a promise, or a guaranteed offer of funding or restructuring.
Nothing here is, or should be interpreted as, an offer to sell securities or a solicitation of an offer to buy securities. Any future participation or investment opportunities — for example, accredited investors participating in certain funding pools or note structures — would only be offered under Regulation D, Rule 506(c) of the Securities Act of 1933, exclusively to verified accredited investors, and only through formal offering documents after independent accreditation verification. We act in good-faith alignment with federal securities law and applicable state “Blue Sky” requirements, including Florida filings where required.