There's no need to worry about fixed payments. The ACH program gives you the flexibility, privacy and cash you need for your business.

There are a lot of reasons why a business may need cash and why it may face difficulty in getting it. Loans for businesses can be difficult to obtain, even with great credit. When the money is needed quickly, traditional loans can take far too long to apply for and gain approval on. This is why many businesses are turning to business cash advances. They differ from business loans and are the solution to many of the funding issues businesses face. Our ACH processing program is a business cash advance program that may be exactly what you have been looking for in order to get quick cash for your business needs.

No Need to Process Credit Cards
Most Business Cash Advance companies require you to process credit cards. But what if you don't? This is why we at MCAT developed our bank-only ACH program. How our ACH (Automated Clearing House) processing program works is that our business cash advances are based on your daily sales. You continue to deposit your sales into a bank account and at regular intervals, a small predetermined percentage of those deposits is taken as repayment. Since we are essentially buying a portion of your future sales, an advance is a potentially higher amount for you. You may be eligible for a completely unsecured business cash advance of up to $1,000,000. This is a much higher advance amount than many other credit card processing advances offer.

Simple & Flexible
The payback terms for our business cash advances are easy to understand, and repayments are simple. A small percentage of your transactions are paid to us, as you go. You know in advance how much of every transaction will be paid to us because the percentage is set up ahead of time. This means no surprises for you. Your repayment on your cash advance comes only through your gross sales. Nothing else.

The ACH program gives you the flexibility, privacy and cash you need for your business. Our easy terms allow you to not only quickly get the business cash advance you need, but to be able to quickly pay it back as well. Most clients are able to repay their advance in as little as 6 to 8 months. But, if you need more time, it is not a problem. As long as you process payments, your cash advance is being repaid. No headaches, no hassles and less stress for you. Isn't that what a business cash advance should be?

No Accruing Interest, Minimum Payments or Collateral
There is no need to worry about fixed payments, guaranteed minimum monthly payments, liens or the business cash advance you obtained through our ACH program showing up on your credit report. We don't even ask for a personal guarantee for repayment or collateral.

Though there is a one-time flat fee charged for our ACH processing program set-up, there is no interest accruing on your business cash advance, because it is not a loan. Payback is driven by your business's sales. If you have a month in which business is slow, your payment for that month is less. It won't result in you having to pay out more because there's no interest accruing. You take as long as you need to pay back the advance.