When your business needs working capital, you have several financing options to consider. Two of the most common are Merchant Cash Advances (MCA) and traditional bank loans. Understanding the differences can help you make the best decision for your business.
What is a Merchant Cash Advance?
A Merchant Cash Advance provides quick access to capital based on your future credit card sales. Unlike a traditional loan, an MCA is technically a purchase of future receivables. Learn more about our Working Capital (MCA) solutions.
Advantages of MCA:
- Fast Approval: Get funded in 24-48 hours
- Bad Credit OK: Credit score is less important than revenue
- Flexible Repayment: Payments adjust with your sales
- No Collateral Required: Unsecured financing option
Traditional Bank Loans
Bank loans offer fixed terms and interest rates but come with stricter requirements and longer approval times.
Bank Loan Characteristics:
- Longer approval process (weeks to months)
- Requires good credit score (typically 680+)
- Fixed monthly payments
- Lower interest rates for qualified borrowers
When to Choose MCA
Consider a Merchant Cash Advance from Zeus Commercial Capital when you:
- Need funds urgently
- Have inconsistent revenue patterns
- Don't qualify for traditional financing
- Want flexible repayment tied to sales
When to Choose Bank Loans
Traditional bank loans work best when you:
- Have excellent credit
- Can wait for approval
- Need the lowest possible interest rate
- Prefer fixed payment schedules
The Zeus Advantage
At Zeus Commercial Capital, we provide access to both MCA and traditional financing options through our network of 15,000+ funding partners. We also offer specialized products like Fix & Flip Loans, DSCR Loans, Invoice Factoring, and Business HELOC.
Use our DSCR Calculator to estimate your financing options for investment properties.
Get Started Today
Ready to explore your financing options? Call us at (800) 516-1153 or visit our office at 1515 Mockingbird Lane, Suite 420, Charlotte, NC 28209. Connect with us on Facebook to stay updated on financing tips and opportunities.
Whether you need working capital, real estate financing, or business expansion funds, Zeus Commercial Capital has the solution. Where banks draw the line, we open doors.