{"id":1,"date":"2023-08-11T14:53:43","date_gmt":"2023-08-11T14:53:43","guid":{"rendered":"https:\/\/dms-factoringagent.com\/SA-12\/?p=1"},"modified":"2024-04-24T15:04:53","modified_gmt":"2024-04-24T15:04:53","slug":"hello-world","status":"publish","type":"post","link":"https:\/\/dms-factoringagent.com\/SA-12\/hello-world\/","title":{"rendered":"Commercial Factoring vs. Merchant Cash Advance: Learn the Difference"},"content":{"rendered":"\r\n

One of the most common questions asked by small business owners when exploring their financing options is whether\u00a0factoring<\/strong>\u00a0or\u00a0merchant cash advance<\/strong> is the best way to solve your company’s cash flow problems when you’re in need of quick capital.\u00a0 This is a common question asked by all business owners and our financing prospects and it is important that you learn a little about these popular financing tools.\u00a0 So, lets take a look at a side by side contrast and comparison of these two popular funding solutions and then you be the judge<\/strong> as to which is most advantageous for your business.<\/p>\r\n

Are These Financings Apples to Apples?<\/em><\/h2>\r\n

When you first begin to compare factoring vs. merchant cash advance (and we will include ACH financing as well), the first important concept you need to understand is what kind of financing is this?\u00a0 \u00a0Both of these financings are considered \u201coff-balance sheet\u201d because neither are considered loans against a business asset.\u00a0 They are both an “advance”.<\/p>\r\n

    \r\n
  • Factoring is:<\/strong>\u00a0 the purchase of the\u00a0current<\/strong>\u00a0invoices<\/strong>\u00a0of a business and as such, it is only available to business that operate B2B.\u00a0 The factors advance is a\u00a0purchase of the business accounts receivable.\u00a0\u00a0<\/strong>It converts an\u00a0account receivable to immediate cash.<\/strong><\/li>\r\n
  • An MCA \/ ACH is:<\/strong>\u00a0 an advance on\u00a0future<\/strong>\u00a0and anticipated sales revenue and usually from credit card sales or over the counter cash sales.\u00a0 Although it can also represent invoice sales as well, the MCA \/ ACH provider is NOT a\u00a0buyer<\/strong>\u00a0of the sales because they do not yet exist.\u00a0 It only advances on anticipated sales based on anticipated historical data.<\/li>\r\n<\/ul>\r\n

    So while both\u00a0compare<\/strong>\u00a0as a source of business funding, the\u00a0contrast<\/strong>\u00a0of the two is significant.\u00a0 A factor advances as a\u00a0purchase<\/strong>\u00a0mechanism on\u00a0existing sales that were invoiced<\/strong>.\u00a0 These are sales that already exist and have generated an identifiable income for the business that can be counted on.\u00a0 MCA and ACH financing represents cash that is\u00a0projected<\/strong>\u00a0as a \u201cbest guess\u201d of\u00a0future credit card sales\u00a0<\/strong>or\u00a0over the counter sales.\u00a0\u00a0<\/strong><\/p>\r\n

    Another way to compare these two financings is that factoring as a method that a business owner uses to finance its \u201cloan business<\/strong>\u201c.\u00a0 Factoring is used to finance the business\u2019s\u00a0\u201cterms of payment\u201d<\/strong>.\u00a0 When a business offers 30, 45, or even 60 days for a customer to pay an invoice, that business is actually providing a\u00a0short term loan<\/strong>\u00a0to its customer.\u00a0 Such invoice \u201cloans\u201d to customers are part of the working capital of a business.\u00a0 Factoring is used literally to accommodate those invoice loans to customers.\u00a0 And, as a additional benefit, such liberal payment terms lead to more customers and larger orders.<\/p>\r\n

    Financing companies offering MCA and ACH financings have nothing to actually purchase or loan against.\u00a0 It is, to some extent, high risk\u00a0\u201ccrystal ball financing\u201d<\/strong>\u00a0which is offered to typically non-bankable business owners in need of new capital.\u00a0 Unlike finance receivables to \u201crecoup\u201d loaned capital to customers, merchant cash advance funds represent \u201cnew\u201d capital.\u00a0 It is most often used for some business equipment that will lead to more sales or used for a location upgrade or similar.\u00a0 MCA and ACH advances are seldom used for (or should they be) financing current invoices for B2B business owners.\u00a0 \u00a0They are much more often used to finance consumer service businesses such as restaurants, convenience stores, gyms, and other consumer retail operations.<\/p>\r\n

    Client\u2019s Risk of Repayment of the Advance<\/em><\/h2>\r\n

    All advances, whether through factoring or through merchant cash or ACH advances, must be repaid.\u00a0 Here, in the risk to lender area, factoring simply wins hands down as an option since the only risk a business owner shoulders regarding repayment of the advance to the factor, is the risk that an invoice is declined for payment by a customer because of a trade dispute or if a customer actually goes bankrupt while an invoice is being financed.\u00a0 \u00a0But, these situations are rare and factors additionally\u00a0review the credit of the customers<\/strong>\u00a0of a business prior to financing.\u00a0 So, the repayment for the factor\u2019s advance as part of the purchase of the invoices is assured.<\/p>\r\n

    In contrast, an MCA or ACH advance financing is always has the repayment risk due to a decline in future sales of the business.\u00a0 For example, what if your business suddenly faces a competitor that cuts their pricing and forces you to do the same?\u00a0 Future sales are at risk.\u00a0 Profits are also at risk and not assured. And now, the ability of the repayment of the advance to the financing company is anything but assured.\u00a0 Evidencing additional risk, the MCA provider typically automatically<\/strong>\u00a0draws its portion of daily sales cash, known as the\u00a0retrieval rate<\/em><\/strong>, out of the business\u2019s bank account.\u00a0 If the sales are down and cash is not available, serious penalties for the business owner can apply.<\/p>\r\n

    Financing Our Clients:\u00a0 Factoring vs. Merchant Cash and ACH<\/em><\/h2>\r\n

    So when do we recommend factoring to a one of our clients and when do we recommend an MCA or ACH advance?\u00a0 As a valued consultant to you, our client, our expertsie and knowledge in this area is important. We very often know our business owners will be, to some extent, depending on us.\u00a0 And our general rule is this.<\/p>\r\n

    \r\n

    If our client\u2019s business operates business-to-business B2B, generates invoiced sales, and traditional bank financing is not an option, you will find we almost always recommend factoring since it is much less costly to the business owner.\u00a0\u00a0<\/em><\/p>\r\n

    For our clients in need of capital that do NOT operate as B2B are typically recommend an MCA as an option.\u00a0 Additionally, more and more providers of the MCA-styled product are now offering SBA loans, asset-based loans, and SBA Microloans for that that qualify.\u00a0 \u00a0<\/em><\/p>\r\n<\/blockquote>\r\n

    The good news is that the vast majority of B2B businesses qualify easily for a factoring arrangement so long as their invoices are not pledged for some other pre-existing loan to another lender.\u00a0 Factoring is also relatively inexpensive when compared to MCA and ACH advances and it also provides many additional benefits to the owner.<\/span><\/p>\r\n

    MCAs are NOT loans.\u00a0 We continue to view MCA\u2019s as short-term capital options for business emergencies or for business expansion or non-leasable equipment purchase.\u00a0 \u00a0 Understand that there is a place and time when MCA and ACH advances can be used very successfully and especially in retail so understanding MCAs and when to use them can open expansive doors for our clients that do not operate B2B.\u00a0 MCA\u2019s often represent start up capital for many small business owners and especially retail.\u00a0 These are companies that can often grow exponentially if provided with such \u201cseed\u201d capital.\u00a0 In many cases, such businesses will quickly become more bankable and can provide you with additional options such as an SBA loan down the road.<\/p>\r\n","protected":false},"excerpt":{"rendered":"

    One of the most common questions asked by small business owners when exploring their financing options is whether\u00a0factoring\u00a0or\u00a0merchant cash advance is the best way to solve your company’s cash flow problems when you’re in need of quick capital.\u00a0 This is a common question asked by all business owners and our financing prospects and it is […]<\/p>\n","protected":false},"author":1,"featured_media":1213,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-factoring"],"yoast_head":"\nCommercial Factoring vs. Merchant Cash Advance: Learn the Difference - 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