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Apr 10, 2013 Merchant cash advances and factoring loans can fill a critical role Forbes' Maureen Farrell took a skeptical view of merchant cash advance lending in her January 2008 article Look Who's Making Coin Off The Credit Crisis, citing the rise of Merchant Cash Advance (MCA) shops as the recession started.

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A merchant cash advance allows businesses to leverage their credit card deposits for quick access to cash. Here's what you need to know.