What is the difference between working capital financing and a merchant cash advance?
Working capital financing is typically a loan repaid on a fixed schedule, while a merchant cash advance is the purchase of future receivables repaid through daily or weekly remittances tied to sales. Working capital generally costs less and requires stronger documentation; an advance funds faster with more flexible criteria.
Choose based on the client's constraint
If the binding constraint is cost, pursue working capital or a line of credit. If it is speed or credit profile, an advance is often the realistic path.
Present both when both are possible
Partners who present two structures with clear tradeoffs close more deals than partners who present one price.
Put this to work on a live file
Submit your deal and we'll review it personally—typically answered within one business day.
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