FAQ's and Knowledge Base

Introduction to Merchant Cash Advances

Welcome to Titan Brand Financial

Welcome to Titan Brand Financial, part of the Titan Brand Group of Companies, where we specialize in providing extremely fast merchant cash advances up to $5,000,000 in as little as 4 HOURS! No hard inquiry, and in most cases, businesses are funded the same day or the next business day.

What is a Merchant Cash Advance?

A Merchant Cash Advance (MCA) is a financing option where a business receives a lump sum of cash in exchange for a percentage of its future credit card sales. This is not a loan but an advance on future sales. It's ideal for businesses needing quick access to capital without the strict requirements of traditional loans.

How does a Merchant Cash Advance work?

After approval, a lump sum is deposited into your business account. Repayment is made through a percentage of your daily credit card transactions until the advance and fees are fully repaid. The percentage is predetermined and automatically deducted from your sales, making repayment seamless and directly tied to your revenue.

What are the benefits of a Merchant Cash Advance?

Quick access to capital: Funds can be available within hours.

Flexible repayment terms: Repayment is based on your sales, so you pay more when sales are high and less when sales are low.

No collateral required: Unlike traditional loans, MCAs don't require you to put up assets as security.

Ideal for businesses with fluctuating sales: Seasonal businesses or those with variable sales can benefit from this flexibility.

No hard inquiry: Approval process does not impact your credit score.

Serving all industries: We consider businesses from all sectors.

Bad credit accepted: We get deals funded with credit scores as low as 500.

Application Process

How can I apply for a Merchant Cash Advance?

You can apply online through our website. Fill out the application form with your business details, including monthly credit card sales, business history, and other financial information. Our team will review your application and get back to you with a decision usually within 24-48 hours.

What are the eligibility criteria for a Merchant Cash Advance?

Eligibility typically depends on:

- Business checking account

- 6 months in business

- $5,000 monthly bank revenue

- 500+ credit score required

- All industries considered

What documentation is required for a Merchant Cash Advance?

- Business financial statements

- Recent credit card processing statements

- Bank statements

- Government-issued ID

Funding and Repayment

How much funding can I get with a Merchant Cash Advance?

The amount you can receive depends on your business's monthly credit card sales. Generally, advances range from $5,000 to $5,000,000. We evaluate your sales volume to determine the appropriate advance amount.

How is the repayment for a Merchant Cash Advance structured?

Repayment is made through a percentage of your daily credit card sales, known as the holdback percentage. This percentage is predetermined and remains consistent until the advance is fully repaid. The repayment amount varies with your sales, offering flexibility.

What is the typical repayment period for a Merchant Cash Advance?

The repayment period varies based on your sales volume but typically ranges from 6 to 18 months. The more sales you make, the quicker you can repay the advance.

Costs and Fees

What are the costs associated with a Merchant Cash Advance?

Costs include the factor rate, which is a multiplier applied to the advance amount to determine the total repayment amount. For example, if you receive a $10,000 advance with a 1.2 factor rate, you’ll repay $12,000. There are no fixed interest rates or monthly payments.

Are there additional costs and fees for a Merchant Cash Advance?

- Origination fees

- Processing fees

- Late payment fees (if applicable)

Comparison with Other Financial Products

How does a Merchant Cash Advance compare to other loan options?

- Flexibility: MCAs offer flexible repayment terms based on sales, unlike fixed monthly payments for traditional loans.

- Speed: Approval and funding are faster compared to traditional loans.

- Cost: MCAs can be more expensive than traditional loans due to higher factor rates.

- Qualification: MCAs require less stringent qualifications and no collateral, making them accessible to businesses that might not qualify for traditional loans.

How does a Merchant Cash Advance compare to business lines of credit?

- Repayment: MCAs are repaid through daily sales, whereas lines of credit have fixed repayment schedules.

- Access to funds: Lines of credit offer ongoing access to funds, while MCAs provide a lump sum.

- Cost: Lines of credit may have lower costs but stricter qualification criteria.

ADDITIONAL TITAN SERVICES

What other services does Titan Financial offer?

In addition to Merchant Cash Advances, Titan Financial offers other diverse lending products and merchant processing services. We are here to provide comprehensive financial solutions tailored to your business needs.

Just reach out to us!

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