Merchant Cash Advance Buyout Loans

Do you need working capital now to fund company expenses but don’t have the cash flow because of MCA loans? Are you struggling with multiple merchant cash advance loans and would like to:

  • Get out of the high-interest, high-frequency spiral of payments.
  • Consolidate your daily payment working capital loans or multiple daily payment working capital loans into a monthly longer-term business loan.
  • Free up your cash flow so you can continue operating and growing without the stress of making multiple high-interest payments.

One of our core products is the MCA buyout loan or Merchant Cash Advance buyout loan. This loan is designed to buy out your existing merchant cash advance daily payment loans with a monthly longer-term loan. By consolidating the financing and stretching out the term, we give you more breathing room and a lower monthly cost of business working capital.

Our investors will analyze your situation and can save you over 50% + by restructuring the loan over the long term.

  • To qualify for one of our buyout programs you must meet the following criteria:
  • Credit must be above a 600 FICO score.
  • No recent bankruptcies or repossessions in the last 12 months.
  • Business must be generating at least a minimum of 300k annually and have at least 1 current MCA.
  • MCA buyout loans can be secured (with assets) or unsecured (no assets) depending on the situation.
  • At least 1 year in business.
  • If additional capital is requested above the MCA buyout, we can help you with utilizing other available assets including equipment, real estate, receivables, inventory and any additional cash flow, etc. to show that you can support the overall payments.

MCA’s when used properly can help many business owners get the quick short-term funding needed to complete whatever transaction/opportunity that otherwise they would lose out on.

For instance, to win a business acquisition from competing buyers, the seller has asked you to bring an additional 5% deposit to secure the sale.

Or, you need to replace a major piece of equipment that has suddenly failed, holding up your operations, and you don’t have the immediate cash on hand to purchase another one, plus you can’t afford the loss in revenue waiting the 30-45 days for a bank loan.

However, the high-interest repayments or having multiple MCA’s, can cause financial stress on the business.

Our MCA Buyout Loans consolidate these daily payments to give you one easier-to-manage lower interest monthly repayment.

Contact FV Vantage™ today to discuss your MCA loans and find out how we can save you money.

FAQs About Merchant Cash Advance Buyout Loans

Yes, that is correct. The high-interest repayments you are currently paying will be reduced to one low-interest repayment over a longer term. This frees up your capital to put towards growing your business and makes it easier to budget your overheads. To discuss how we can help you consolidate your high-interest MCA loans and free up your capital, contact FV Vantage™ today.

Yes, it is possible. Depending on your situation, we may be able to help you obtain more funding than the MCA buyout, to grow your business with items like the purchase of equipment or inventory. We offer a variety of short-term and midterm solutions of 1-3 years and up to $150MM. To gain a clearer understanding of your borrowing capacity, contact FV Vantage™ today for a no-obligation chat.

This depends on your current daily payout loan and the MCA Buyout loan you are eligible for. But to give you a ballpark comparison, most MCA’s are in the 30%-50% range, although they don’t state it that way. It will be referred to as a factor rate of 1.3-1.5. Our MCA Buyout loans range from 10%-25% so as you can see, there is a considerable saving. If you have had enough of paying these high-interest rates, contact FV Vantage™ today to discuss your options and let’s get you on a more manageable financial plan.

This depends on various factors including the amount you want to borrow, your business financials and the loan you apply for. Some loans can be approved in 3-4 business days, other larger funding amounts can take 4-6 weeks. Once we have a better understanding of your business and the funding you require, we will help you with the documentation needed and the application process so you receive the funding in the shortest time possible. Contact FV Vantage™ today to discuss an MCA Buyout loan to consolidate your high-interest MCA’s.