WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
Conventional term loans

Pay Off Merchant Cash Advances

Replace daily debits with one fixed monthly payment. Stacked MCAs can take 20–40% of daily deposits. A conventional term loan pays them off and replaces the daily or weekly debits with a single fixed monthly payment over up to 10 years.

Apply nowTerm loans(210) 702-8811
$50K – $10MMAmounts
18 mo. – 10 yrTerms
665+FICO
FixedPayment
Term loan use

Pay Off Merchant Cash Advances

Stacked MCAs can take 20–40% of daily deposits. A conventional term loan pays them off and replaces the daily or weekly debits with a single fixed monthly payment over up to 10 years.

Conventional term loans run from $50,000 to $10 million with terms from 18 months to 10 years and a fixed monthly payment. Strong files can borrow unsecured; larger amounts are usually secured by business assets or real estate.

What lenders look at

  • Credit score of 665 or higher
  • Time in business and revenue trend
  • Bank statements and tax returns
  • Existing debt and how the new payment fits
Questions

Term loan FAQ

How much can I borrow?

$50,000 to $10 million, secured or unsecured, depending on revenue, credit and collateral.

What terms are available?

From 18 months to 10 years, with a fixed payment for the life of the loan.

What credit score do I need?

Generally 665 or higher for conventional term loans. Lower scores may fit our working capital or asset-based programs.

Can a term loan pay off my MCAs?

Yes. Paying off merchant cash advances and consolidating short-term debt is one of the most common uses.

Is this an SBA loan?

No. These are conventional, non-SBA term loans, usually with less paperwork and faster closings than SBA. We also arrange SBA 7(a) loans if you prefer.

Is collateral required?

Unsecured programs are available for strong files; larger amounts are usually secured by business assets or real estate.

Related

Other uses

Use

Expansion & New Locations

Open, build out or grow

Explore →Use

Debt Consolidation

One lower payment instead of many

Explore →Use

Equipment Purchases

Buy equipment on a conventional loan

Explore →Use

Renovation & Improvements

Upgrade the space your customers see

Explore →
Discuss your scenario

Rather talk it through first?

Skip the full application. Tell us what you need in a few words and an account executive will call you back with options.

  • No application, no credit pull
  • A real account executive, not a call center
  • Usually a call back within one business day
Prefer to call? (210) 702-8811
Next step

Pay Off Merchant Cash Advances, one fixed payment.

Apply online in minutes.

Start the application

Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.