High Risk Business Loans & Merchant Funding

High Risk Merchant Cash Advances and business loans are offered to high risk merchants by LVRG Funding, one of the fastest growing small business funding companies in the country. There are only a few lenders and small business loan resources that are willing to fund high risk merchants, and LVRG leads the way. High risk merchant cash advance are available to businesses that have been classified as higher risk merchants, and are therefore unable to obtain bank loans or any other form of financing from traditional lending institutions. If you need mca loans for bad credit, LVRG Funding is one of the strongest high risk merchant cash advance companies in America.

We’re able to help small business owners in with the following MCA funding options:

  • Merchant Cash Advance, Business MCA

  • Second Position Merchant Cash Advance, 2nd Position MCA

  • Third Position Merchant Cash Advance, 3rd Position MCA

  • Fourth Position Merchant Cash Advance, 4th Position MCA

  • High Risk Business Loans & Bad Credit Small Business Loans

A high risk merchant cash advance can provide high risk small business borrowers with an upfront fixed amount of cash of up to $500,000 in as little as 24 hours. The funding amount is based upon a percentage of the businesses credit card receivables or daily cash balances using historical credit card receipts and bank statements to determine the initial advance. The business pays back the advance, plus a percentage, often referred to as a discount factor, from a portion of their credit card receivables or cash available plus a percentage. The remittances are drawn from the business customer on a daily or weekly basis until the obligation has been met. We’re one of the best merchant cash advance companies in the country and can’t wait to help you!

One of the greatest benefits of a High Risk Merchant Cash Advance is that the funds can be used for a host of business expenses. There are typically no restrictions on how you choose to use your Business Cash Advance or MCA, however some of the more typical uses include:

Buying Equipment – Could a new computer, desk, telephone, cash register or software come in handy? Money to pay for the purchase of necessary business equipment could help boost your profits. And if this cash isn’t readily available in your account, a Merchant Cash Advance can provide you with these funds.

Paying Employees – Instead of running your business like a one-man show, a few extra hands could really help. Spending borrowed money on employee’s salaries can be the answer rather than disrupting your cash flow to cover this expense.

Purchasing Inventory – One of the most common uses for a Merchant Cash Advance is buying inventory. It takes products in stock to make business profitable, so it only makes sense to invest in enough inventory to make sure you always have enough to sell to clients.

Expanding the Business – If your business is experiencing some success, you might want to start thinking about taking things to the next level. A lump sum of cash might be just what you need to get business booming.

Other uses of an MCA may include: Marketing Campaigns • Payroll • Franchise Fees • Debt Refinance • Leasehold Improvements • Expansion and Remodeling • Furniture and Fixtures • Machinery and Equipment • Inventory • Real Estate Purchase • Licensing Fees • Working Capital

High Risk Merchant Cash Advances are non-collateral borrowings, meaning there is no asset protection for the lender. Because there is no surety that the merchant borrower will repay the money or collateral protection for the Merchant Cash Advance, High Risk Business Cash Advance interest rates are higher than banks loans or business lines of credit.

There are a few other reasons your business may be classified as high risk, such as:

  • Poor Credit

  • Tax Liens

  • Vapor or Hemp

  • Cannabis Dispensary

  • CBD

  • New Owner of Establish Business

  • Businesses with Large Financial Liabilities

  • Files over $200,000.

  • Many Position Files – Meaning you have multiple MCA’s currently outstanding. We fund second position merchant cash advance, 3rd position merchant cash advance, up to 4th position merchant cash advance.

  • Construction or Construction Related Industry

Benefits Of A High Risk Merchant Cash Advance:

  • In addition to the much easier method of obtaining working capital from an MCA provider than from a bank, the Merchant Cash Advance has a lot of incentives when it comes to small business financing:

  • Much quicker approval times from an MCA provider than a bank. This translates to faster cash-in-hand, allowing you to take advantage of current market prices.

  • Whereas business loans require you to have collateral in order to gain favorable consideration, an MCA simply requires you to be subject to a limited amount of conditions.

  • An MCA is also much more beneficial to the cash flow of a company since it does not require any monthly payments or upfront fees that are characteristic of loans.

  • There is no limitation on how the funds acquired from an MCA can be used. Funds that are loaned through a financial institution must be used for the stated purpose by the business. As a result, money from a business loan has a very narrow scope of action as compared to money that comes from a cash advance.

  • No worries about points of upfront fees

  • A business stands to benefit more from an MCA because of how payments are made. So, if a business’ income slows down, payments are adjusted to reflect this change in income.

LVRG is one of the best high risk and bad credit merchant cash advance companies in America. We’re funding merchant cash advances from 1st-5th position in a matter of hours.

We're here to help! Call (855) 998-LVRG or click below to get started.