Merchant cash advances
Generally, a purchase of an agreed amount or portion of future business receivables.
Read the full explanationTHE STRUCTURE / THE OBLIGATION / THE QUESTION
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Compare merchant cash advances, term loans, lines of credit, private credit, private equity, and venture capital through the questions that matter to a business owner.
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What does the agreement provide?
Term loans
A lump sum borrowed and repaid under a business loan agreement.
Read the full explanationLines of credit
Access to a facility under agreed draw and repayment conditions.
Read the full explanationPrivate credit
Debt negotiated with a nonbank lender or private fund.
Read the full explanationPrivate equity
An investment in exchange for an ownership interest.
Read the full explanationVenture capital
Equity investment typically focused on startups and growth.
Read the full explanationUse the comparison to frame questions. It does not rank products, determine suitability, or describe an offer. Product names do not replace review of the complete agreement and applicable law.
Build your preparation checklistGeneral descriptions based on the FTC’s small-business financing overview, the SEC’s private-fund overview, and common agreement features. An actual provider agreement determines the obligations. Credit advisory is separate from financing.
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