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Merchant Cash Advance for Businesses in Orange County


Has your small business been denied a traditional business loan? All hope is not lost! Merchant cash advances are a reliable way to obtain capital if other conventional loan routes haven’t worked out for your business. Let Peach Capital Funding help with merchant cash advances for the success of your business. Our office is in Irvine, but we assist all types of businesses residing in Orange County. Even if you have a limited business history, a low credit rating, or little to no collateral, Peach Capital Funding can get your business the subsidy it needs in just a couple of days.

Merchant Cash Advance Loans for Startups and Small Businesses

At Peach Capital Funding, we are committed to providing merchant cash advance loans for startups and small businesses in Orange County. Unlike most traditional loans, merchant cash advances do not have a recurring monthly loan payment. Instead, financing companies give you capital in exchange for a percentage of your daily credit card sales, plus a fee. What this means, is that your payments fluctuate directly with your sales volume. Merchant cash advances are great tools to keep a business afloat during a slow season. You have access to funding when sales are low, and the ability to pay back the advance when sales are high.

Even if you don’t have a great credit score, merchant cash advances can be a convenient way to get a business cash advance as they do not require collateral. However, the convenience of easy approval and accessibility is offset by a much higher interest rate. Merchant cash advances are calculated with a factor fee, but when converted to APR the minimum average interest rate is around 15%.

While merchant cash advances are a viable way to get access to the funding you need, we suggest consulting with our team before you decide on this option. There are a variety of other loans that Peach Capital Funding can utilize to help fund your business, and you deserve the fairest rates for your business situation. If you have any questions or concerns, give Peach Capital Funding a call. We are here and happy to help!

Perks of Merchant Cash Advance Loans:

  • Quick turnaround time on approval but higher interest rates
  • Easy access to funds
  • Great short-term cash infusion tool
  • Suitable for various business purposes
  • Bad credit accepted
  • Ideal for cyclical businesses that are in a lull period