Explore the benefits of a Merchant Cash Advance (MCA), a flexible alternative financing solution designed to provide fast funding based on your future sales. Unlike traditional loans, an MCA offers a straightforward way to access capital, helping small and medium-sized businesses manage debt and seize growth opportunities.
Apply online today to get approved for a Nexi merchant cash advance and experience the difference of tailored funding solutions.
Securing traditional funding can be difficult for small businesses without a credit history. However, merchant cash advances (MCAs) are among the most accessible alternative financing solutions for owners who need to quickly improve cash flow.
MCAs are not loans. Rather, a business receives a lump-sum payment in exchange for a portion of their future sales. That’s why they are occasionally referred to as revenue-based financing. Small business owners make payments in two ways. First, a “factor rate” is applied to the entire amount. Second, businesses must remit a fixed percentage of daily or weekly sales (aka a “holdback amount”) until the advance is fully repaid.
MCAs are especially flexible in that payment terms fluctuate based on sales. As a result, small businesses who take on MCAs should never see more money going out than coming in.
A merchant cash advance can help fuel business goals that may have previously felt out of reach. With many MCA providers offering swift approvals, small business owners can quickly access capital when expenses, last-minute investments, or new opportunities arise.
With Nexi, small business owners can choose a structure that works best for their cash flow. Options may include daily or weekly remittances, a flat amount set in advance, or a percentage of sales that adjusts with revenue. In other words, you can align delivery of receivables with your ongoing cash flow.
Unlike some traditional financing, a merchant cash advance comes with no spending restrictions. Use the funds for whatever your business needs—inventory upgrades, payroll, marketing campaigns, or covering obligations.
You don’t need perfect credit to qualify for a merchant cash advance. Requirements are typically minimal, focusing more on business performance and consistent revenue than on personal credit history.
Many traditional financing options require collateral or personal guarantees. With an MCA, funding is based on the purchase of future receivables, not secured against assets—allowing business owners to access capital without pledging property
Consistently delivering receivables through an MCA may help demonstrate reliability and position your business more favorably with future financing partners.
PLUS no collateral or personal guarantee needed
To qualify for a line of credit with Nexi, small businesses must have:
What you’ll need to provide:
With Nexi, the road to responsible alternative funding is simple and fast:
