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Frequently Asked Questions
What is an MCA (Merchant Cash Advance)?
A business funding program based on your future sales volume and cash flow, with a faster and more flexible approval process than traditional bank loans.
What are the minimum requirements?
Typically at least 4 months in business and $10,000+ monthly credit card processing volume.
How fast can I receive funds?
In many cases, funds can be deposited within 2 business days after approval.*
*Actual funding time may vary depending on your bank.
How does repayment work?
Most repayments are made through fixed weekly ACH payments from your business bank account.
Is there an early payoff penalty?
No early payoff penalty. Some programs may also waive future interest with early payoff.
Is there a personal guarantee?
Usually no personal guarantee. MCA funding is generally structured as a business-based second lien position.
How does the interest work?
Rates are determined during underwriting. Typical factor rates are around 1.20–1.24.
(Example: $10,000 funding → approximately $12,000 total payback)
Are there restrictions on how I use the funds?
No. Funds can be used for payroll, inventory, taxes, marketing, expansion, equipment, and most other business needs.
Does CCS fund clients directly?
No. CCS works with licensed funding partners and helps connect businesses with suitable lenders.
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