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A merchant cash advance gives merchants that accept credit cards sales an advance on those sales with the understanding that it will be paid back based on an agreed upon Another difference from a traditional loan is that the amount to be paid back is based on a percent of sales, not a fixed monthly payment. So, if a 

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Interest Rates and Interest Charges. Annual Percentage Rate (APR) for Purchases, 19.99%. APR for Cash Advances, 19.99%. Paying Interest, Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.