SDIRA, QRP, Solo 401k Checkbook Merchant Cash Advance

Your self-directed retirement account – Checkbook IRA, Checkbook 401k, Checkbook QRP, Checkbook HSA, or Checkbook DB Plan – can invest in:

  • Merchant Cash Advances (MCA Loans),
  • Accounts Receivable Factoring (A/R Factoring) – recourse and non-recourse,
  • Purchase Order Finance (PO Finance) and
  • many other forms of merchant financing.

If you’d like to set-up a Merchant Cash Advance IRA, Merchant Cash Advance Solo 401k, Merchant cash Advance QRP, Merchant Cash Advance Defined Benefit Plan, or Merchant Cash Advance HSA – this page provides the compliance information you need to do so.

What is a Merchant Cash Advance?

  • A merchant cash advance, or MCA, is a source of funding used by small and medium-sized businesses that has exploded in popularity over the last decade.
  • An MCA “loan” is structured as a cash advance against future revenues of the borrowing business.
  • By characterizing such arrangements as advances rather than loans, providers of MCA facilities (Merchant Cash Advance) are not subject to state usury laws.
  • The interest rates on these MCA financing facilities provide outstanding returns to investors.
  • Use your Checkbook Retirement Account to provide cash to small businesses that don’t qualify for traditional financing.
  • Get extremely high returns for the risk taken when advancing funds to businesses that don’t meet the lending guidelines of traditional lenders.

Checkbook Cash Advance Compliance