A merchant cash advance is the fastest and easiest way to get the small business cash and funding you need for your company.

Here’s a look at some of the retail companies that we’ve had the pleasure of working recently:

Date: 2/4/2013
Merchant: Livestock and Pet Products
MCA Amount: $87,000
Highlights: Merchant Cash and Capital is advancing $87,000 to a livestock and pet products business in Washington. The business has been in operation since 1998 and plans to use its MCC funds to purchase additional inventory. This livestock and pet store business averages $20,000 a month in credit card sales and $120,000 in average gross sales per month. This will be the merchant’s first MCA with Merchant Cash and Capital.

Date: 2/4/2013
Merchant: Art Manufacturer
MCA Amount: $250,000
Highlights: Merchant Cash and Capital is advancing $250,000 to a custom framed artwork and mirrors manufacturer based out of Florida. The business has been in operation since 1990 with a staff of forty and a large client base including restaurants, hospitals, and business offices. This is a profitable business with gross sales around 4 million for 2012. The company would like to use its MCC funds to purchase inventory and prepare for impending projects for the upcoming season. Without hesitation, this deal was approved by the MCC Credit Committee.

Date: 1/3/2013
Merchant: Plant Nursery
MCA Amount: $200,000
Highlights: Business is blooming for a plant nursery in Texas that Merchant Cash and Capital is advancing $200,000 to. The business has been around for seven years and its owners are a father and son duo. With gross sales hitting up to 1 million dollars during the summer months, and having positive cash flow in their business bank accounts, this deal seemed like a ‘no brainer’. However, there was one hiccup with the business that landed it a spot in the MCC Credit Committee. Though gross sales soar in the summer, they can also dip down to as low as $20,000 a month during the winter as the plant nursery is extremely seasonal. After some debate, the deal was approved as the committee was confident with the company’s gross sales history and that the nursery would pay back on time, with an expected slower collection pace for the initial two months. The plant nursery plans to use its funds as working capital to bridge into their busy season. This will be their first advance with Merchant Cash and Capital.

Date: 12/10/2012
Merchant: Used Books Online Retailer
MCA Amount: $150,000
Highlights: Merchant Cash and Capital is advancing $150,000 to a used books online retailer that has been in operation since 2008 and has a large warehouse located in Pennsylvania. The business purchases its inventory from Goodwill by the truckload and then sells the used books through various online marketplaces, such as Amazon and eBay. The online marketplaces post the items for sale and in return get a percentage of each sale. The merchant then fulfills the order by delivering the goods. This online retailer qualified for MCC’s B2B Cash Advance Program due to the large number of monthly bank deposits. The merchant would like to use its MCC funds to purchase additional inventory to open up a second warehouse. This is the merchant’s first cash advance with Merchant Cash and Capital.

Date: 12/10/2012
Merchant: Apparel Store
MCA Amount: $250,000
Highlights: Merchant Cash and Capital is advancing $250,000 to a well known women’s apparel and accessories boutique located in California. This multi-location business is often frequented by Hollywood celebrities at all of its branches. The boutique received a merchant cash advance from MCC only six weeks ago, but is already 31 percent ahead in payback pace. The business has been in operation since 1997 and they process an average of $330,000 in credit card sales a month. This premium merchant is back again to work with MCC on its third advance to prepare for the upcoming holiday season. The merchant plans to use the MCC funds to purchase additional inventory. Merchant Cash and Capital is ready to help bring this premium merchant some extra holiday revenue.

Date: 12/5/2012
Merchant: Grocery Store
MCA Amount: $240,000
Highlights: Merchant Cash and Capital advanced $240,000 to a salvage grocery store in VA that has been in operation since 2005. The business offers damaged, but still edible grocery items to its customers at below wholesale prices. The business is able to obtain these goods from manufacturers who cannot sell visibly damaged packaged goods to the bigger supermarket chains. The business is profitable and sales are up as 2012 is drawing to an end. The grocery store processes an average of $150,000 in credit card sales per month and an average of $300,000 in gross sales per month. The merchant plans to use its MCC funds to purchase additional inventory for the upcoming holiday season. This will be their first merchant cash advance with Merchant Cash and Capital.

Date: 12/5/2012
Merchant: Nascar Novelty Items
MCA Amount: $150,000
Highlights: Merchant Cash and Capital advanced $150,000 to a car racing collectibles business based in Pennsylvania. This business specializes in NASCAR novelty items, apparel, and gifts. They are 75% business to business and 25% retail. The owners built the business twelve years ago, and manufacture and distribute their collectibles from a large 23,000 square feet warehouse. The business does $120,000 in average monthly credit card sales and averages $180,000 in monthly gross sales. However, this deal is not without its flaws. The business has an outstanding SBA loan and a balance with another cash advance company. The assigned MCC underwriter worked with the numbers within the program, factoring in the additional debt, and the deal still fell under the maximum gross reserve percentage allowed in the MCC program. This is a profitable business and they plan to use the funds to purchase additional inventory to further expand their product line. This will be the merchant’s first time working with Merchant Cash and Capital.

Date: 10/25/2012
Merchant: Tobacco Shop
MCA Amount: $58,000
Highlights: Merchant Cash and Capital provided $58,000 to a tobacco shop in Oklahoma. This is the merchant’s second cash advance with MCC. The tobacco shop has been in operation since 2011. The merchant processes roughly around $25,000 in credit card sales a month and grosses an impressive $95,000 in total average monthly sales. With MCC’s fast business financing, the merchant plans to use the funds to purchase the land that the business is located on. The MCC Credit Committee deemed this a good use of funds, and Merchant Cash and Capital is ready to help this merchant and his business plant some roots.

Date: 10/25/2012
Merchant: Medical and Oxygen Equipment Retail
MCA Amount: $50,000
Highlights: Merchant Cash and Capital is advancing $50,000 to home medical and oxygen equipment retail business based out of South Carolina. The business has been operating since 1996 and has been at its current location since 2008. The company has a mostly geriatric client base and it sells wheelchairs, oxygen machines, and respirators (all modified for home use). This merchant qualifies for MCC’s B2B Cash Advance Program due to low credit card processing volume and large bank deposits. However, this deal was initially sent to the MCC Credit Committee to consider a tax lien issue which the merchant is currently on a repayment plan for. The merchant has had cash advances with other mca companies in the past with positive repayment histories. This premium merchant plans to use the funds to purchase additional inventory for the winter season. This will be the company’s first advance with Merchant Cash and Capital.

Date: 10/4/2012
Merchant: Manufacturer
MCA Amount: $100,000
Highlights: This week, Merchant Cash and Capital is advancing $100,000 to a manufacturer of health products, equipment and appliances. It’s an internet business that is based out of Connecticut and has an impressive web presence. The merchant has been in business since 2000. Sales are generally business to business and the company collaborates with large online retailers such as Amazon.com for more exposure. The merchant processes an average of $100,000 in credit card sales and $400,000 to $500,000 in gross sales a month. Funds will be used to purchase additional inventory for the upcoming season.

Date: 10/4/2012
Merchant: Clothing Retailer
MCA Amount: $100,000
Highlights: MCC is advancing $100,000 to a clothing retailer located in California. The business specializes in young adult and teenage apparel, and has been in operation since 2009. This will be a split processing MCC Diamond deal as the merchant processes an impressive $124,000 a month in credit card sales. Additionally, the business averages $150,000 in gross sales a month. This MCC premium merchant plans to use the business cash advance to build a website for business exposure and advertising. The business is slower in October; however, business and sales start to pick back up in November, just in time for the holidays. This will be the merchant’s first advance from Merchant Cash and Capital.

Date: 9/11/2012
Merchant: Grocery Store
MCA Amount: $40,000
Highlights: An Indian grocery store located in New York received a $40,000 merchant cash advance from Merchant Cash and Capital. This is a landmark specialty grocery store that is well known to locals, and as been in operation since the 1980s. Their popularity is documented and supported through good ratings and online reviews from local customers. The merchant took over the business in 1996, and has been at its current location since last year. The grocery store is conveniently located near a University, so sales undoubtedly soar when classes are in session. The merchant processes an average of $52,000 per month in credit card sales, even in their off season. The merchant’s bank account had a few negatives in their average daily balance, but they have overdraft protection, so it was not a concern for the MCC Credit Committee. The deal was approved as an ACH deal. The business plans to use their small business funding to purchase more inventory for the upcoming busy season as classes have started for the fall semester.