What is a Merchant Cash Advance (MCA)?
A Merchant Cash Advance (MCA) is a type of funding where businesses receive a lump sum upfront and repay it through a percentage of daily card or UPI sales. It’s ideal for retailers, restaurants, and small businesses with steady digital transactions but limited collateral.
At Vizzve Finance, we connect businesses with trusted MCA lenders who offer fast access to working capital – no lengthy approval delays.
How MCA Works
You Apply with your business and sales details
You Receive a lump-sum amount in 24–48 hours
You Repay via a fixed % of your daily digital (POS/UPI) sales
No Fixed EMI, repayment adjusts with your revenue
Key Features of MCA via Vizzve
| Feature | Details |
|---|---|
| Loan Amount | ₹50,000 – ₹10 Lakhs |
| Repayment Mode | % of daily digital/card sales |
| Tenure | Flexible (typically 3–12 months) |
| Approval Time | 24–48 hours |
| No Collateral | Required |
| Best for | Retailers, Kirana stores, restaurants |
Benefits of Merchant Cash Advance
Fast funding with minimal paperwork
No impact on business credit score
Flexible repayments linked to actual sales
Ideal for seasonal or daily cash-flow businesses
Can be used for inventory, repairs, restocking, or rent
Documents Required
Aadhaar & PAN Card
Business PAN or GST
Last 6 months’ bank statement
Digital sales data (POS, UPI, card swipes)
Business registration (if applicable)
Who Should Consider MCA?
Grocery/Kirana store owners
Boutique and apparel shops
Café or restaurant owners
Beauty salons and spas
Pharmacies and medical stores
Street vendors with UPI machines
Why Choose Vizzve for MCA?
⚡ Instant approval & disbursal via trusted lenders
💳 POS & UPI-based repayment without burden
📈 Tailored offers based on your daily business flow
🤝 Dedicated business advisor to support your journey
Real-Life Use Case
Manoj runs a busy mobile store in Pune. He needed ₹1.2 lakhs to stock up before a festive sale. A traditional loan needed ITR and property proof—but with Vizzve MCA, he got funds in 36 hours and repaid with 10% of daily UPI sales. No EMI stress. Full control.
FAQs
Q1. Is MCA a loan?
Not exactly. It’s a cash advance against future sales and not classified as a term loan.
Q2. What if I have a slow sales day/week?
Repayment is variable, so you pay less when sales are down—no fixed EMI pressure.
Q3. Does MCA affect my credit score?
Not directly. MCA is revenue-based, and most lenders do not report it to credit bureaus.
Published on : 24th July
Published by : SMITA
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