Primary product

Merchant cash advance and working capital, explained without a rate card

Merchant cash advance is the product this site leads with. We shop it as a broker. We do not lend, and we do not invent a factor rate or APR on this page.

What a merchant cash advance is

A merchant cash advance is working capital repaid from future business revenue. Partners structure repayment differently. Cost is real. If a page quotes “as low as” or a fixed buy rate without a signed offer, treat that as marketing — we will not do that here.

How the review works

You apply with who you are, the business, and the need. We review the file and follow up. Approval and terms come from funding partners. Checking options will not hard-pull your credit.

Other products on the application

Intro 0% card stacking exists on the application as a secondary interest — only when it fits. Term loans and lines of credit are listed the same way. They are not the homepage product.

Where we work and further reading

Florida working capital

State page and Miami, Tampa, Orlando, Jacksonville.

Georgia working capital

State page and Atlanta, Savannah, Augusta.

What an MCA is — and is not

Short explainer. No invented numbers.

What documents you need for an MCA look

The short list for a first look.

Soft pull vs hard pull for business funding

What a soft inquiry means for your credit.

When 0% card stacking fits — and when it does not

When a short 0% card float can fit — and when MCA, term, or LOC is clearer.

Apply for a review

Legacy Loan Brokers is a business-funding broker, not the lender. We review files for Florida, Georgia, and online. Funding is placed with third-party partners and is subject to their review. Checking options uses a soft inquiry and does not hard-pull your credit. We do not publish a street address on this site.

chuck@legacyloanbroker.com