{"id":358,"date":"2019-02-27T05:16:06","date_gmt":"2019-02-27T05:16:06","guid":{"rendered":"https:\/\/blogindifi.wordpress.com\/2019\/02\/27\/6-reasons-why-merchant-cash-advances-are-an-ideal-finance-option-for-smes-in-india\/"},"modified":"2026-10-23T13:43:40","modified_gmt":"2026-10-23T13:43:40","slug":"6-reasons-merchant-cash-advance-ideal-finance-smes","status":"publish","type":"post","link":"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/","title":{"rendered":"6 Reasons Merchant Cash Advances Are Ideal Finance for SMEs"},"content":{"rendered":"\n<div class=\"wp-block-image size-medium wp-image-530\"><figure class=\"alignleft\"><img decoding=\"async\" width=\"450\" height=\"300\" src=\"https:\/\/blog3.indifi.com\/wp-content\/uploads\/2019\/02\/6-Reasons-why-Merchant-Cash-Advances-are-an-Ideal-Finance-Option-for-SMEs-in-India-450x300.jpeg\" alt=\"6 Reasons why Merchant Cash Advances are an Ideal Finance Option for SMEs in India\" class=\"wp-image-530\" srcset=\"https:\/\/www.indifi.com\/blog\/wp-content\/uploads\/2019\/02\/6-Reasons-why-Merchant-Cash-Advances-are-an-Ideal-Finance-Option-for-SMEs-in-India-450x300.jpeg 450w, https:\/\/www.indifi.com\/blog\/wp-content\/uploads\/2019\/02\/6-Reasons-why-Merchant-Cash-Advances-are-an-Ideal-Finance-Option-for-SMEs-in-India.jpeg 626w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><figcaption><em>6 Reasons why Merchant Cash Advances are an Ideal Finance Option for SMEs in India<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-vivid-green-cyan-background-color has-background\" href=\"https:\/\/www.indifi.com\/merchant-advance-capital-against-pos-machine\">Apply Merchant Capital Loans<\/a><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Having adequate working capital and positive cash flow is crucial to the success of all businesses, especially for small and medium-sized businesses. Very often, SME owners find that their cash reserves are low, due to a variety of reasons like\u200a\u2014\u200adelayed payments from customers, increased seasonal demands, new opportunities and more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Very often, getting a business loan from banks is an excruciatingly long process, and loans on credit cards are outrageously expensive. This is where\u200a\u2014\u200aa merchant cash advance comes in as an effective solution.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/#What_Is_A_Merchant_Cash_Advance\" >What Is A Merchant Cash Advance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/#How_Does_It_Work\" >How Does It Work?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/#1_Easy_Hassle-Free_Application\" >1. Easy, Hassle-Free Application<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/#2_Poor_Credit_Scores_Dont_Matter\" >2. Poor Credit Scores Don\u2019t Matter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/#3_Zero_Collateral\" >3. Zero Collateral<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/#4_No_Impact_On_Your_Credit_Score\" >4. No Impact On Your Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/#5_Flexible_Repayment_Terms\" >5. Flexible Repayment Terms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/#6_Quick_Access_To_Funds\" >6. Quick Access To Funds<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.indifi.com\/blog\/6-reasons-merchant-cash-advance-ideal-finance-smes\/#Merchant_Cash_Advance%E2%80%8A%E2%80%94%E2%80%8AThe_Smarter_Hassle-Free_Alternative_To_Traditional_Business_Loans\" >Merchant Cash Advance\u200a\u2014\u200aThe Smarter, Hassle-Free Alternative To Traditional Business Loans<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_A_Merchant_Cash_Advance\"><\/span>What Is A Merchant Cash Advance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As the term implies, it\u2019s an advance SME owners can avail for lenders against their future credit card and debit card swipes. It\u2019s a relatively new method of funding for business owners. Though merchant cash advance has been available in the US, Canada, and other developed nations for a long time now, it\u2019s recently becoming popular in India as a convenient and hassle-free method of raising funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_It_Work\"><\/span>How Does It Work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Thanks to the Digital India drive, a large number of businesses in India, even small companies are accepting payments via credit card and debit cards. A merchant cash advance is not a loan technically, but rather it\u2019s an advance payment from lenders.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a borrower, you approach a lender for a merchant cash advance. The lender considers the average income your business earns every month via credit and debit cards, and then advances you a sum, accordingly. You can then repay the amount borrowed, once you earn the amount from credit and debit card swipes by customers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are 6 Noteworthy Advantages Merchant Cash Advances offer to SMEs:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Easy_Hassle-Free_Application\"><\/span>1. Easy, Hassle-Free Application<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Merchant cash advances are quite easy to apply for, unlike traditional business loans from banks. With less paperwork and easy eligibility, you can access your funds within a week. <a href=\"https:\/\/www.indifi.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Digital lenders like Indifi<\/a> even offer you same-day approval.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Poor_Credit_Scores_Dont_Matter\"><\/span>2. Poor Credit Scores Don\u2019t Matter<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This was one of the biggest hurdles for small businesses. To be eligible for bank loans, you had to have a stellar credit score. The eligibility criteria for merchant cash advances at popular online lending platforms like Indifi are simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are the general eligibility requirements:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u25cf 2 years of operational history<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u25cf Minimum monthly transactions of 50,000 INR<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u25cf Minimum 6 months of credit card\/debit card swipes at your business<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u25cf Applicant age higher than 24 years<\/p>\n\n\n\n<p class=\"has-vivid-green-cyan-color has-text-color wp-block-paragraph\">Also Read:<a href=\"https:\/\/blog.indifi.com\/3-financial-tips-for-smes-2019\/\"> 3 Smart Financial Tips For SMEs To Get A Head-Start In 2020 <\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Zero_Collateral\"><\/span>3. Zero Collateral<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike conventional business loans, you don\u2019t have to submit any collateral like a property or other assets to be eligible for merchant cash advances.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_No_Impact_On_Your_Credit_Score\"><\/span>4. No Impact On Your Credit Score<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Since merchant cash advance is not technically a loan, it doesn\u2019t reflect on your business history nor does it impact your credit score.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Flexible_Repayment_Terms\"><\/span>5. Flexible Repayment Terms<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to merchant cash advances, there are no penalties for early closure of the loan. You repay the funds borrowed as daily deductions that are a part of your businesses\u2019 daily credit\/debit card receipts. You continue making daily manageable payments until the advance is paid back in full.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Quick_Access_To_Funds\"><\/span>6. Quick Access To Funds<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The best part of merchant cash advances is that you can receive the funds quickly, without having to wait for a long approval period. Also, you can use the money you receive from merchant cash advances in any way you choose\u200a\u2014\u200athere are zero restrictions on what you can or cannot do.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Merchant_Cash_Advance%E2%80%8A%E2%80%94%E2%80%8AThe_Smarter_Hassle-Free_Alternative_To_Traditional_Business_Loans\"><\/span>Merchant Cash Advance\u200a\u2014\u200aThe Smarter, Hassle-Free Alternative To Traditional Business Loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With simple eligibility, high approval rates, flexible repayment terms, and competitive interest rates, <a href=\"https:\/\/www.indifi.com\/merchant-advance-capital-against-pos-machine\" target=\"_blank\" rel=\"noopener noreferrer\">merchant cash advance from Indifi<\/a> is a great way to help you reach your business objectives.<\/p>\n\n\n\n<p class=\"has-vivid-green-cyan-color has-text-color wp-block-paragraph\"><a href=\"https:\/\/www.indifi.com\/merchant-advance-capital-against-pos-machine\">Apply For Merchant Cash Advance<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Having adequate working capital and positive cash flow is crucial to the success of all businesses, especially for small and medium-sized businesses. Very often, SME owners find that their cash reserves are low, due to a variety of reasons like\u200a\u2014\u200adelayed payments from customers, increased seasonal demands, new opportunities and more. Very often, getting a business [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":530,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[141],"tags":[12,26,91,139,140],"class_list":["post-358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-business-loans","tag-finance","tag-merchant-cash-advance","tag-smes-in-india","tag-zero-collateral"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Having adequate working capital and positive cash flow is crucial to the success of all businesses, especially for small and medium-sized businesses.\" \/>\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"indifi\"\/>\n\t<meta name=\"keywords\" content=\"business loans,finance,merchant 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