The Appropriate Capital for Your Business.
Explore business financing solutions based on your revenue, cash flow, financial profile, existing obligations, and goals.
One application. Multiple potential capital solutions.
Not All Capital Is Appropriate Capital.
Access to capital is only part of the equation.
The structure, cost, payment frequency, intended use of funds, and expected return all matter.
Merchant Cash Advances can provide businesses with fast access to capital, but they also typically involve aggressive daily or weekly payment structures.
For the right business and the right opportunity, that structure may make sense. For another business, it may create unnecessary pressure on cash flow.
That's why Appropriate Capital looks beyond whether capital is simply available.
We look at whether the capital is appropriate for the business.
Where Are You in Your Capital Journey?
Different situations call for different tools. Pick the path that fits — we'll point you to the right place to start.
I Need Capital
Find the financing structures that may fit your objective.
I Have an Offer
Understand and compare the cost, structure, and payment impact.
My Payments Are Too High
Evaluate the pressure existing obligations are placing on your cash flow.
I'm Here to Learn
Understand financing before making your next capital decision.
Understand Your Capital Before You Take It.
Not all business financing is created equal.
A product that works extremely well for one company can put tremendous pressure on another. Before accepting capital, business owners should understand the cost of the capital, repayment frequency, expected return on the funds, impact on cash flow, and whether the business can comfortably support the obligation.
Appropriate Capital believes an educated business owner is better equipped to make sustainable financial decisions.
We help merchants understand:
- How daily, weekly, and monthly payments affect cash flow
- The difference between MCAs, term loans, SBA loans, lines of credit, and other business financing
- The true cost of capital
- How stacking multiple obligations can affect a business
- When short-term capital may make financial sense
- When an MCA may be too aggressive for the business
- How to evaluate the expected return on borrowed capital
- Why early payoff strategies matter
- How existing debt affects future financing options
- When restructuring existing obligations may be more appropriate than borrowing additional money
The right financing decision starts with understanding your numbers.
An MCA Is a Powerful Tool — But It Is Not Appropriate for Every Business.
Merchant cash advances can provide businesses with fast access to capital, but the repayment structure can be extremely aggressive. Daily or weekly payments can significantly affect operating cash flow.
Appropriate Capital performs diligent underwriting because we believe an MCA should only be used when the business has the financial strength, margins, cash flow, and opportunity to justify the cost and repayment structure.
For example, an MCA may make sense when capital can be deployed into an opportunity expected to generate a return that substantially exceeds the cost of the capital, or when the business has sufficient cash flow to comfortably sustain the payments.
If the numbers do not make sense, we do not believe the business should take the capital.
Our objective isn't to provide the most capital. It's to help identify the appropriate capital.
An Educational Tool for Business Owners
Enter your numbers to see the estimated cost of capital, monthly debt burden, payment as a percentage of revenue, cash flow after debt, and how the expected return compares to the cost — with an educational assessment of whether the structure may fit your business.
This calculator is for educational and illustrative purposes only and does not constitute financial, legal, tax, lending, or investment advice. Estimates are not an offer, approval, or financing commitment.
What Are You Trying to Accomplish?
Start with your objective — not a financial product. Select what you're trying to do, and we'll show capital structures that may be worth evaluating.
What are you trying to accomplish?
Pick the one that fits best — we'll do the rest.
Don't Start With a Product. Start With the Business.
Different businesses need different capital. We evaluate your situation to help identify the structure that fits.
Business Lines of Credit
Flexible access to working capital when your business needs it.
Business Term Loans
Longer-term financing for established businesses and growth opportunities.
Merchant Cash Advances
Fast, revenue-based business capital for situations where speed and flexibility matter.
MCA Buyouts
Explore options for replacing one or more existing Merchant Cash Advance obligations.
Commercial Real Estate
Capital solutions for commercial property acquisition, refinancing, construction, and expansion.
SBA Loans & Refinance
Government-backed 7(a) and 504 programs for qualifying businesses with stronger documentation.
We Don't Start With a Loan. We Start With Your Objective.
Appropriate Capital does not begin with a product. We begin with the business or project — then determine which capital structures may warrant consideration.
- Intended use of capital
- Amount required
- Business revenue
- Cash flow
- Existing obligations
- Credit profile
- Available collateral
- Business history
- Property or project economics
- Timeline
- Expected return on capital
- Repayment capacity
- Exit strategy where applicable
Start with the objective. Then find the appropriate capital.
Already Have Merchant Cash Advances?
Your refinancing options may be different than they used to be.
For qualifying businesses, an MCA buyout may provide an opportunity to replace one or more existing Merchant Cash Advance positions with another financing structure.
- Paying off existing MCA positions
- Consolidating multiple positions
- Reducing the number of active obligations
- Improving business cash flow
- Extending the financing timeline
- Moving into a different capital structure
- Accessing additional working capital when appropriate
Have an MCA? SBA Refinancing Rules Changed.
Under SBA SOP 50 10 8, Merchant Cash Advance and factoring arrangements became ineligible for SBA debt refinancing effective June 1, 2025.
This means businesses should not assume that an SBA 7(a) or 504 loan can simply be used to refinance existing Merchant Cash Advance obligations. For businesses carrying MCA positions, alternative private, conventional, asset-based, or other financing structures may need to be evaluated.
SOP 50 10 contains SBA loan origination policies and procedures governing the 7(a) and 504 programs.
Official SBA SourceThis information is educational and is not legal advice. Businesses with questions regarding existing agreements should consult qualified legal counsel.
Calculate Your Current Payment Burden
Estimate payments for term loans, merchant cash advances, or your existing MCA positions — no contact information required to calculate.
What Would You Like to Calculate?
Your Current MCA Positions
Enter each existing advance to see your total payment burden.
What Would a Different Payment Structure Look Like?
Shown as an Illustrative Cash-Flow Difference, not guaranteed savings. Actual terms depend on underwriting.
Is Your Current Capital Structure Working for Your Business?
Want to Know Whether Your Business Actually Qualifies?
Submit your information and we'll review your positions. Your calculator inputs carry into your request.
For illustrative purposes only. Calculator results are estimates and do not constitute an offer, approval, financing commitment, legal advice, or guarantee of available terms. Actual products, costs, payments, rates, terms, and eligibility depend on underwriting and the applicable financing agreement.
A Streamlined Capital Process
Tell Us About Your Business
Complete a streamlined capital request.
We Review the Situation
We evaluate revenue, cash flow, financial profile, existing obligations, and financing objectives.
Explore Available Capital
If qualified, available financing structures can be evaluated based on the needs of the business.
We Don't Start With the Product. We Start With the Business.
A $2 million construction company and a $2 million restaurant operation may require completely different financing structures. A business with no existing debt may need a revolving line. A business needing capital immediately may determine that an MCA is appropriate. A business already carrying multiple short-term obligations may need to explore a buyout. A property owner may be better served by commercial real estate financing.
Only then should the financing product be considered.
That is what we mean by:
Appropriate Capital.
Appropriate Capital — because the right capital matters.
We don't believe in maximizing debt. We believe in finding the appropriate capital structure for the business.