Merchant Cash Advance (MCA) from SAFEGUARD funding provider is a smart way to get working capital for many small and medium-size businesses. Thousands of small businesses have used our Merchant Cash Advance program to obtain capital needed to stabilize, grow, and take advantage of opportunities.

Frequently Asked Questions & Answers

How much can I get?

Our Cash Advance range from $5,000 to $500,000 and is primary based on the average of your monthly credit card sales volume.

Every business owner is unique, but typically you can qualify up to 125% of your monthly credit card processing. If you qualify for several options, we can present them all to you and you can choose what’s right for you.

How fast will I receive the funds?

After approval, you can expect to receive funds in 5 to 7 business days. This money can be deposited directly to your business checking account.

How easy is it to get approved for a Cash Advance?

Since funding is based on future credit card sales volume, our approval rate for unsecured Cash Advances is over 95% of applications.

How much does it cost to apply for a Cash Advance?

Nothing. We offer a No-cost, No-obligation free quote when you apply.

What if I have bad credit?

Bad Credit is generally not an issue. As long as you meet the rest of our criteria you can qualify.

What if I have an existing Cash Advance with other company?

That’s great. You already know the benefits of the service. Usually we can increase the amount you’re qualified for so we can get you more money.

What’s the interest rate?

One of the great things about our Merchant Cash Advance program is that we do not have interest rates. There’s one fixed flat payback amount.

It’s an advance, not a loan. There are no late fees, closing costs or hidden costs to the program.

We buy a portion of your future credit card sales volume similar to the way an investor might buy a part of your business. We take a discount from what we purchase as our return or profit. Then, we slowly recover our purchase by taking a small percentage of your daily credit card sales volume until your balance with us is settled.

Unlike a partner or investor, there is NO continued drain of profits.

The good thing is that if you have a slow month of business, you’re Not penalized. Your balance that we quote up front never gets higher.

How are my payments determined?

The great thing about our Merchant Cash Advance program is that there are NO fixed payments. We simply receive an agreed upon percentage of your credit card sales until the advance has been paid.

For example, if our daily percentage is 10% and you make a $100 credit card sale, we get $10 from that sale. This simple process is repeated until the balance is paid … usually within 6 to 10 months.

How do I keep track of what I have paid?

We send you a monthly statement detailing how much you’ve paid for the previous month or months, and the outstanding balance on the advance.

Additionally, you can go online to access your account any time you want. We will send you a Welcome Kit with your login information after your advance has been wired to you.

OK… How do I get started?

You can start by filling out our quick online application.