Merchant cash advance structure
An MCA is generally described as alternative commercial financing involving an upfront amount provided in exchange for an agreed amount or percentage of future business receivables. The legal characterization and terms of a specific transaction depend on its agreement and applicable law.
Pricing language
MCA proposals may use factor rates, purchased amounts, remittance percentages or other pricing conventions. A factor rate is not APR. Compare net proceeds, total dollars, fees, payment timing and contract terms.
Provider relationships
BCF Funding may connect applicants with participating commercial funding providers and may receive compensation in connection with completed transactions. Provider availability and criteria vary.
State requirements
Commercial-financing disclosure, brokering, solicitation and other rules can vary by state and may change. Applicable provider and jurisdiction-specific disclosures should be reviewed before a transaction is completed.