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Business Cash Advance vs. Merchant Cash Advance: What’s the Difference?

As a direct funder in the Merchant Cash Advance space, we’re often asked by small business owners about the difference between Merchant Cash Advance [MCA] and Business Cash Advance.

Here’s the breakdown, short and simple:

These are just two different names for the same product.

Some funders may call it Business Cash Advance, some may call it Merchant Cash Advance, but at the end of the day, they are one and the same.

This product is designed to help business owners take care of their urgent business needs – whether that’s ramping up staffing, buying new equipment, paying for repairs, or meeting payroll needs during a tough month.

An MCA [or Business Cash Advance] is not a loan – it’s simply a way to get access to your future sales immediately. While loans charge you a fixed number each month, MCAs are based on your projected revenue – so as your sales fluctuate, your payment amounts will fluctuate, too. This means more flexibility in repayment and more room to breathe.

Our specialization is Merchant Cash Advance, but our team is well-versed and knowledgeable about other products on the market. If you have questions about other financial products for small businesses, let us know! We’re always happy to help.

Also, if you need funding and wish to speak to someone now, please call us at 888-382-3945 or click here to send us an inquiry. One of our teammates will get back to you as soon as they are available.


Revenue-Based Finance is formerly and alternatively known as Merchant Cash Advance, or MCA.