A merchant cash advance (MCA) was originally structured as a lump sum payment to a business in exchange for an agreed-upon percentage of future credit card and/or debit card sales. The term is now commonly used to describe a variety of small business financing options characterized by short payment terms (generally under 24 months) and small regular payments (typically paid each business day) as opposed to the larger monthly payments and longer payment terms associated with traditional bank loans. The term "merchant cash advance" may be used to describe purchases of future credit card sales receivables or short-term business loans.
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| - Anticipo de caja a comercios (es)
- Merchant cash advance (en)
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| - A merchant cash advance (MCA) was originally structured as a lump sum payment to a business in exchange for an agreed-upon percentage of future credit card and/or debit card sales. The term is now commonly used to describe a variety of small business financing options characterized by short payment terms (generally under 24 months) and small regular payments (typically paid each business day) as opposed to the larger monthly payments and longer payment terms associated with traditional bank loans. The term "merchant cash advance" may be used to describe purchases of future credit card sales receivables or short-term business loans. (en)
- El anticipo de caja a comercios (ACC) es una fórmula de financiación que surgió en Estados Unidos y que, posteriormente, ha llegado a Europa. La idea del Anticipo de Caja a Comercios (Merchant Cash Advance, en inglés) nació como un recurso para aquellos negocios que no tenían acceso a préstamos bancarios de tipo convencional, especialmente los comercios y pequeños negocios. El ACC no es un préstamo en el sentido estricto, sino un anticipo, que se devuelve con una parte de las ventas con tarjeta de crédito o débito realizadas por el comercio que ha recibido dicho adelanto.La devolución se hace a medida que los consumidores realicen ventas con tarjeta y de manera directa desde el TPV (Terminal del punto de venta). El porcentaje de devolución de cada venta se decide entre la empresa ACC que (es)
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| - El anticipo de caja a comercios (ACC) es una fórmula de financiación que surgió en Estados Unidos y que, posteriormente, ha llegado a Europa. La idea del Anticipo de Caja a Comercios (Merchant Cash Advance, en inglés) nació como un recurso para aquellos negocios que no tenían acceso a préstamos bancarios de tipo convencional, especialmente los comercios y pequeños negocios. El ACC no es un préstamo en el sentido estricto, sino un anticipo, que se devuelve con una parte de las ventas con tarjeta de crédito o débito realizadas por el comercio que ha recibido dicho adelanto.La devolución se hace a medida que los consumidores realicen ventas con tarjeta y de manera directa desde el TPV (Terminal del punto de venta). El porcentaje de devolución de cada venta se decide entre la empresa ACC que la proporciona y el establecimiento que la recibe para conseguir una cuota que favorezca a ambos. (es)
- A merchant cash advance (MCA) was originally structured as a lump sum payment to a business in exchange for an agreed-upon percentage of future credit card and/or debit card sales. The term is now commonly used to describe a variety of small business financing options characterized by short payment terms (generally under 24 months) and small regular payments (typically paid each business day) as opposed to the larger monthly payments and longer payment terms associated with traditional bank loans. The term "merchant cash advance" may be used to describe purchases of future credit card sales receivables or short-term business loans. (en)
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