Selinsky Business Capital

At Selinsky Business Capital, we are experts in providing growth and working capital solutions to America's small business owners.  We provide finance for:


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Merchant Cash Advance

Merchant Cash Advance and its related ACH Advance are lump sum advances of immediate cash which is repaid with a percentage of future credit card or other retail sales. Though most financial products found in the alternative commercial finance arena deal with business-to-business transactions (B2B), Merchant Cash and ACH Advances are services we can provide for companies operating in the retail sector or dealing directly with consumers.  Merchant Cash and ACH Advances are often readily accessible sources of working capital when other options are not available.

How a Merchant Cash Advance Works

Merchant Cash Advances are commonly used by restaurants, health clubs, convenience stores, auto repair facilities, etc. when needing cash for expansion or equipment replacement and when bank financing is just not an option.  MCAs are provided by very specialized companies that in many cases, are also credit card sales processors.  With a Merchant Cash Advance, the C/C processor will document a history of your most recent credit card sales over the last 6-12 months and ascertain an average.  An advance will be offered to your company based on its past sales.

Although considered an expensive form of financing, there are some significant advantages and benefits to Merchant Cash and ACH Advances which include...Merchant Cash Advance

Merchant Cash Advances are never provided as a "last ditch" method of finance to companies in trouble, but rather to going concerns that are clearly showing substantial business growth though still too young to qualify for traditional bank financing.  Because of the obvious risks involved to MCA providers, Merchant Cash Advance fees are significantly higher than those of factoring and most other forms of alternative commercial finance.

Find Out More

Want to learn more about our industry and how it can help you in growing and financing your small business enterprise?  It's easy!  Simply request a FREE complimentary copy of our small business financing guide:  When Banks Say NO!  The Small Business Guide to Factoring.  It's FREE, from Selinsky Business CapitalClick here to order