My advice is to just stay away, I realize as small business owners we are not able to get funding like we need. So these Merchant cash advances prey on us and some of us can pay them back and some cannot. Whatever you do, don't use MCA. They are a half ass company meaning they do half the job and not the entire. I now owe more than I did when I first started because of a judgement rendered on me. They didn't even answer the complaint on my behalf. Instead they hid behind emails and text messages. I will stop short of calling them a scam company but they don't have competent people in place to help resolve big cash advance amounts over $5,000.