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Merchant cash advances are marketed as a fee, not a loan — you sell a slice of future card sales for cash today. But a '1.3 factor rate' repaid weekly can translate to an effective APR above 60-100%, making MCAs one of the most expensive financing products a small business can touch. This guide decodes the factor-rate language, shows what the advance actually costs against your real sales cycle, and lists the cheaper alternatives that exist even when banks say no.
true-cost warning report
Because they are unsecured, repaid daily from sales, and priced with factor rates that hide the annualised cost — often 50-100%+ effective APR.
The multiplier on your advance — a 1.3 rate on $20,000 means you repay $26,000. Compare that to APR before celebrating the speed.
A business line of credit, term loan, invoice factoring or even a 0% business card — all cheaper than an MCA for most cash-flow gaps.
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