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My Sales Dropped. What Happens with My Merchant Cash Advance Payments?

Many businesses experience some form of seasonality — whether that means one season is busier than others, week-to-week sales are inconsistent, or the industry itself is simply seasonal by nature. When business owners apply for funding with us, one of their top concerns is what happens if their sales are to drop — either short-term or for a prolonged period.

Luckily, our products are designed so that your repayment amount is based on your revenue and not a set dollar amount. While loans charge you a fixed number each month, Merchant Cash Advance (MCA) payments can fluctuate with your sales. This means more flexibility in repayment and more room to breathe.

When you take out funding with us, you sign a Future Receivables Sales Agreement (FRSA). This agreement states that your sales performance will be re-evaluated on a regular basis to ensure your daily payment amount is in line with the agreed-upon payment percentage. If your sales have deviated, we will adjust your payment amount accordingly. We even offer a self-service feature, allowing you to expedite this review process all on your own. More on this in our recent press release.

Business funding can be a tricky thing. There are numerous financial products available to business owners, each with its own set of unique advantages. That’s why we work hard to continue educating our audience on the intricacies and benefits of the Merchant Cash Advance.

We aim for transparency in all that we do – whether that’s presenting funding offers, onboarding, or educating our customers. We stay in close contact with you every step of the way to help answer questions, resolve issues, keep you up to date on best practices, and simply to lend an ear.

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.