What is a Merchant Cash Advance?
The Merchant Cash Advance (MCA) product has existed in countries around the world such as the United States, Canada and the UK for over 10 years, helping thousands and thousands of businesses by providing them with large amounts of cash.
GMF the first Merchant Cash Advance provider in Asia-Pacific. We provide the MCA quickly to businesses (merchants) of all sizes that accept credit and debit card payments, and in return the business sells to GMF a fixed amount of its future card sales.
As a merchant, you never have to make payments directly to GMF. The payments are made automatically by deducting a fixed portion of your credit and debit card sales through your card processing bank. It’s easy and hassle-free – giving you more time to spend on your business.
There is no fixed monthly payment amount. As your card sales go up or down, so does the amount paid to GMF. This makes the MCA product extremely flexible and aligned to your business.
How it works
You can now use your future credit and debit card sales as a way to get cash today! Why not leverage an untapped business asset - your future card sales. Simply put, we pay you for your future card sales upfront and get paid back directly by your card processing bank - a fixed portion of your daily card receipts until the amount of purchased credit and debit card sales is paid - it's that simple!
Our service is completely aligned with the success of your business - we only get paid when you get paid!
You can use this cash for anything - such as:
- Working capital
- To expand your business or add additional locations
- Renovations
- Purchase new equipment or inventory
- Extra Cash during slow periods
- Advertise and promote your business
- Partner buy-out
- Pay bills
- Rental payment
- Personal investment
It doesn't matter what you use the cash for - it's yours!
Comparing the MCA product to a bank loan
Compare a MCA from GMF to a Bank Loan, and you will soon see that a MCA is right for you and your business!
| GMF's MCA | Bank Loan | ||||
|---|---|---|---|---|---|
| Cash Amount | High |  |
Low |  |
|
| Speed of Funds | As quickly as 3 days! | |
Can take weeks or months from application to receipt of funds | |
|
| Ease of Application | Simple. Approval is driven by card sales | |
Complex and lengthy | |
|
| Collateral Required? | No | |
Yes | |
|
| Affects Personal Credit Profile? | No | |
Yes | |
|
| Is Payment Fixed? | No. Depends on business's card sales | |
Yes | |
|
| Is the Payment Term Fixed? | No | |
Yes | |
|
| Use of Funds | Can be used for any purpose | |
Banks always insist on approving the use of funds | |
|
| Available to Small Businesses? | Yes | |
Yes, but many businesses fail bank lending criteria | |
|
| Available to New Businesses? | Yes. If your business accepts credit card payments | |
No. 3 years minimum | |
|
| Available for Seasonal Businesses? | Yes | |
Maybe. Banks usually require stable & predictable cash flows | |
|
| Availability during Credit Downturn? | Yes. Approval is driven by card sales | |
Not easily available | |
Simple Qualification
Does your business accept credit card payments?
If you answered YES, then contact GMF NOW!
 |  |