A purchase of future business receivables can provide upfront working capital. Understand the total purchased amount, remittance method, and cash-flow impact before proceeding.
Businesses with consistent card or other receivables that need capital for a defined, near-term business purpose.
Synergy Capital helps business owners explore financing options and understand the structure presented. An MCA is a purchase of future receivables, not a loan. Availability, amounts, factor rates, fees, and terms depend on underwriting and the funder’s approval and are not guaranteed.
Select programs use an owner performance guarantee (also called a validity or performance guaranty) rather than a full personal guarantee of repayment. It generally covers the owner’s representations and covenants under the agreement—not an absolute promise to repay if ordinary business receipts decline. Availability is subject to qualification and underwriting.
A funder purchases an agreed amount of future receivables and delivers an upfront purchase price. The agreement specifies the purchased amount and how receivables are delivered, often through scheduled ACH remittances or a share of card sales.
Remittances may be daily or weekly. Some agreements include reconciliation provisions that can adjust remittances when receipts decline; read the conditions and process carefully. A fixed scheduled debit does not necessarily change automatically with sales.
Pricing is commonly expressed with a factor rate rather than an interest rate. Multiply the purchase price by the factor to estimate the base purchased amount, then add any disclosed fees. Because an MCA is not a traditional loan, APR is not always presented; ask for disclosures that let you compare cost.
A sound use of proceeds connects the financing to a specific operating need and a credible repayment plan.
Cover operating expenses while waiting for customer payments or card settlements.
Fund stock intended to turn into revenue within a period that supports the remittance schedule.
Address a repair or time-sensitive obligation after confirming the business can carry the payments.
These questions help you compare actual obligations, not just headline amounts. Request the final documents and take time to review them before signing.
Read the related guide →No single product is best for every business. Compare the intended use, cost, repayment, collateral, and time horizon before choosing.
Share your four most recent business bank statements so our team can begin evaluating your file while you complete the rest of the application.
Illustrative information only. Availability, amounts, pricing, fees, and terms vary and are set after underwriting. Nothing on this page is an offer, commitment, or guarantee of approval or funding. Financing, if arranged, is provided by Synergy Capital or its funding partners. See Terms & Disclosures.
Tell us what you want to accomplish. We will help you evaluate the available structure, cost, and repayment before you decide.
Applying or calling does not guarantee approval or funding. By submitting an application or contacting us, you consent to be contacted by Synergy Capital and its funding partners by phone, text, email, or other means at the numbers and addresses you provide, including by autodialed or prerecorded messages where permitted by law. Message and data rates may apply; consent is not a condition of purchase. Applying involves a soft credit inquiry, which does not affect your credit score. A funding partner may perform additional verification, which can include a hard inquiry, before final approval. See Terms & Disclosures and Privacy Policy.
