How a Merchant Cash Advance Works

A merchant cash advance is a lump sum, upfront payment made to a business – the payment is based on the business’ future sales. As you make sales going forward the cash advance is gradually repaid, usually on an automatic basis. Repayments are calculated by taking a set amount of the sales generated by the business. It’s all quite simple, but lots of other merchant cash advance companies like to make it a little more complicated than it really needs to be. Sometimes merchant cash advances are referred to as business cash advances – they’re both the same thing.

The application process

Before you can receive a merchant cash advance it’s important that you go through the application process. We know that application processes can be boring and strenuous for business owners – you’ve got lots of other things that you could be doing instead with your time. Here at Rivis Capital we do our best to keep things as simple and as fast as possible. All you need to do in order to find out if you’re eligible for a merchant cash advance is to call the number at the top of this page, or fill out the short application form on this page. Once we’ve heard from you we’ll be able to get a few small details about your business, from this information we can then determine whether we’re able to work with your business or not.

If we decide that we’ll be able to work with you, and you accept the terms of the proposal that we put to you, you’ll need to fill out a few forms and return them to us. We may also require documentation such as bank statements and tax returns. As soon as all the loose ends are tied up and the agreement is signed, we’ll disburse your merchant cash advance to your account.

Receiving the capital and repayments

Once you’ve received the capital you can then spend it as you see fit – whether that be improvements to your business, purchasing new stock and equipment – or nay other area you think the money is needed. Repayments will start immediately – a pre-agreed percentage of your sales will be taken in order to cover the merchant cash advance. Payments are taken automatically and they vary based on the actual sales of your business.

There’s no need to complicate a merchant cash advance – it’s really simple to get your head around. If you’re interested in obtaining a merchant cash advance for your business make sure you get in touch with us today.


Please Note: We do not work with start ups at this time.
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