Business Cash Advance: Working Capital Against Future Sales
Not a bank installment loan. Cash against future sales, priced with a factor rate, collected as the business runs.
If deposits are already coming in but cash is tight this week — inventory before a busy stretch, a truck in the shop, payroll between deposits, or stacked advances that no longer fit — you are in the lane this product serves. Most U.S. deals price with a factor rate and pull by draft or holdback, not a bank amortization schedule.
Afterfirst MCA is a broker, not a funder. You complete one application. A person checks deposits and open positions. Matching funders reply with offers you can line up on payback, draft size and term. Applying costs you nothing, and Afterfirst MCA charges you no fee.
When a business cash advance fits
It fits when deposits are steady enough to support a draft and the use of funds has a near-term payoff: seasonal stock, a critical machine, a supplier who ships only on prepay, or consolidating stacked drafts into one clearer payment.
Skip it when revenue is collapsing, the account is full of NSFs, or the new draft would leave rent and payroll short. A smaller amount, a true reconciliation request on the advance you already have, or waiting a week for cleaner statements can be the better move. Merchant cash advance alternatives compares the cheaper options.
How the money moves
- Application. Business profile, owners, recent statements, every open advance named.
- File review. We read the account the way an underwriter will — true deposits, not just top-line credits.
- Targeted shopping. Only funders whose programs match industry, size and position.
- Side-by-side offers. You see payback and payment before anyone pulls a final draft schedule.
- Funding. After you sign with the funder, cash follows if the file cleared cut-off.
For factor rates, holdbacks and reconciliation detail, see how an MCA works.
Reading the price without marketing gloss
Most offers quote a factor rate. Fifty thousand at 1.35 means sixty-seven thousand five hundred collected over the life of the advance. Drafts often pull on banking days whether or not that day’s sales were strong, unless the contract’s reconciliation clause is real and you use it.
Run scenarios in the MCA cost checker and keep factor rate vs APR open while you compare. Afterfirst does not set funder prices; we surface them so you can choose or decline.
If you already have an advance
Say so immediately. Second-position capital, consolidation and reverse consolidation solve different problems. The wrong product is how owners end up with three drafts and no room to operate.
Business cash advance questions
Is a business cash advance the same as a merchant cash advance?
In most offers, yes — cash today against purchased future sales. Read the contract: sale of receipts vs loan with interest.
How is price shown?
Usually as a factor rate and a draft schedule, not a classic APR. Convert carefully before you compare to a bank loan.
How long does funding take?
Usually the same business day once statements are complete, open advances are disclosed and you sign before the funder’s cut-off.
What does Afterfirst charge merchants?
Nothing. Funding companies pay Afterfirst a monthly membership and a commission when a deal funds. Details on how we are paid.
See business cash advance offers side by side
One file. Matching funders. You pick the advance — or none.
Broker, not a funder. info@afterfirstmca.com.
What happens after you apply
Apply
Send one free application online or by phone. A person on our team reads it before any funder sees it.
Review
We call you, to fill gaps and confirm bank statements.
Offers compared
We shop your file with funders that fit and show every offer side by side: payback, payment, and term.
You choose
Pick an offer or walk away. Nothing is final until you sign the funder's contract.
Funding
Once you sign, the funder sends the money straight to your business bank account.
Send one file.
See what fits.
Call 877-FUND-654 with questions.