Merchant Cash Advance Blog

Making it Simple: How ACH loans work with MCA

   Thursday, 31 August 2017 10:30 PBC Blog

Making it Simple How ACH loans work with MCA

What are ACH loans and how do they function with Merchant Cash Advance? This might be the question that is plaguing the business owner’s mind at the moment if the business owner is looking for a way to attain financial capital to advance their business. This article is just for them. But before more information is given about these loans, the business owner should understand what Merchant Cash Advance is. Through this article, we will take a look at what Merchant Cash Advance is, what ACH loans are, and how they both work together in the financial realm.


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Merchant Cash Advance

Merchant Cash Advance is one of the most advanced ways of attaining financial capital for business owners today. They have risen to their current position due to the dawn of the internet age and the spite that business owners feel towards banks has also risen. This site has been created due to the bank's’ refusal to modify their system in accordance with today’s world.

Their bureaucratic system, tied up with their tediousness and the several restrictions that they impose upon business owners is the reason why Merchant Cash Advance was created in the first place. To undo the injustice done by the monopolizing power of banks, business owners have been forced to start their own financial venture. One that is created especially for the ease of business owners brought to them by business owners themselves.

Merchant Cash Advance uses various creative methods like ACH loans to process the finances that go through its entire system to always stay ahead of the curve and make it much easier for lenders and business owners to come together and conduct financial exchanges in exactly the same way as business deals. What it does is that it allows business owners to negotiate their own terms with independent lenders and then come up with their own agreed upon method of repayment. This repayment can be done by many methods including credit card transactions of pre-agreed upon portions of the business owner’s future credit card sales with the help of ACH withholding as well.

What are ACH loans?

ACH stands for Automated Clearing House, which is a nationwide electronic network that is used for all kinds of financial transactions throughout the United States. It was designed to process a large amount of credit and debit transactions in many batches. Today, they are used in everything from insurance premiums, mortgage loans, consumer payments, in fact, they are used in every kind of payments and as well as in point of the purchase check conversion program. Their speedy process and ease of service has made them perfect partners of MCA.


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ACH loans with Merchant Cash Advance

As we already know that Merchant Cash Advance incorporates in itself the latest ways to make the transactions between the business owners and the independent lending company easy. And so, besides the normal credit card transactions, Merchant Cash Advance also uses ACH in its repayment process.

In ACH withholding, the finance company gets all the credit card processing information of the business owner and regularly deducts its portion from the account via ACH. This process continues until the payment is made.

And so, this is the way ACH loans work with Merchant Cash Advance to make the process easier, safer and much faster in its processing.


We provide two highly accessible financing programs that can get your business the working capital it needs in days instead of months.

For a small business, obtaining a traditional loan today is a complex and difficult process. That’s where Premier Business Capital comes in. 

Merchant Cash AdvanceACH Loans 


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