Merchant Cash Advance in New jersey
Provide immediate access to funds based on future credit card receivables

MCA Financing in New Jersey
If you’re a low-income business or an owner with bad credit, then getting a traditional bank loan might not be an option. In NJ, a merchant cash advance is an alternative way of getting working capital fast. This type of funding is easy to qualify for and can help your business make the next big move. At JSV Capital, our financial services are among the most reliable in the nation. If you’re considering a merchant cash advance, continue reading as we walk you through what exactly an MCA is, the advantages, when they’re used and how to apply for one today.

What Is A Merchant Cash Advance?
A merchant cash advance is an alternative financing option for business owners that is different from a traditional bank loan. They are technically not considered loans since they don’t require collateral or a credit check. In order to receive funds, a lender or merchant cash advance company will purchase a portion of your business’s future sales in exchange for quick financing. As an owner, you’re responsible for repaying these funds over time. A percentage of your income will be automatically deducted from your daily credit or debit card deposits or withdrawn directly from your bank account in weekly or monthly installments.
The amount to be repaid is calculated by a factor rate, not the interest rate, based on the amount of money coming in. Therefore, some weeks you may owe more or less according to how profitable your business is.
Advantages Of A Merchant Cash Advance
MCAs are a convenient funding solution for owners looking to grow their business or temporarily sustain their cash flow. They can be most valuable to those that need cash fast but fail to qualify for a traditional loan program. Here are some of the advantages to obtaining a merchant cash advance:
Higher Approval Rates
Merchant cash advances are one of the easiest financing options to qualify for and their approval rates are 70% higher than traditional bank loans.
No Collateral Necessary
Unlike a loan, you do not need to put up collateral to get a merchant cash advance. In addition, since lenders will be repaid from your business’s proceeds, providers such as JSV Capital have a low risk of loss should your business falter.
Flexible Payments
MCA payments will be directly proportionate to your profits. Meaning, the repayment amount may change with sales. However, JSV Capital offers flexibility based on how much your business makes per week or per day.
Less Paperwork
Applying for a merchant cash advance can be done entirely online from your phone, tablet or computer. To make the process quick and easy, compile all essential documents ahead of time. These include a valid form of identification and recent bank statements.
Faster Funding
Our online application process only takes a few minutes to complete and if approved, you may be funded in as little as one to two business days.
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What Do I Need to Qualify for a Loan?

How to Apply
What Do I Need To Apply For A Merchant Cash Advance?
Applying for a merchant cash advance is more accessible than a traditional loan. MCAs do not require a credit check, business history documentation, or tax paperwork for approval. However, you must provide proof of sales through bank statements or credit card purchases. Most owners who have been in business for at least three months and can prove they have a positive cash flow will be able to get approved.
Common Uses For A Merchant Cash Advance
At JSV Capital, our merchant cash advance services are open to all industries. The most common types of businesses that seek MCAs are start-ups, those with low credit, small businesses with no collateral or those who don’t qualify for a bank loan.
One of the most common reasons business owners choose an MCA is for quick funding in the short term. A few of the common uses for MCAs include covering emergency or unexpected expenses. They can also be used to supplement payroll and bill payments when there are gaps in cash flow or to cover any seasonal fluctuations your business may experience. In addition, merchant cash advances can be used to purchase inventory.
How Much Funding Can I Get?
The amount of funding you can receive for a merchant cash advance is determined by how much income your business brings in, plus a couple of other factors. To learn more, speak with our specialists at JSV Capital about your financial needs.


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We are one of the most trusted sources for merchant cash advances. Unlike most lending companies, JSV Capital provides access to quick and affordable small business funding options for all types of businesses. |
Like you, JSV Capital is a small business, and we take pride in helping our neighbors secure the financing they need to grow and achieve success. Contact a reputable loan consultant at JSV Capital about how we can help you and your business get funding today. |
Apply For Merchant Cash Advance Financing
No cost to apply. Applying will not impact your credit score.