Disclosures

Appropriate Capital helps qualifying businesses explore available business financing options. We are not a lender and do not make credit decisions.

Financing Subject to Approval

All financing is subject to underwriting, eligibility, and approval by the applicable financing provider. Products and availability vary. Terms vary based on applicant qualifications and the financing provider. Submitting information does not guarantee approval or funding.

MCA Disclosures

Merchant Cash Advances are generally structured as purchases of a portion of future business receivables or revenue rather than traditional loans. MCA pricing is typically expressed through a factor rate, not an interest rate or APR. The exact structure depends on the provider and agreement.

SBA Policy

Under SBA SOP 50 10 8, Merchant Cash Advance and factoring arrangements became ineligible for SBA debt refinancing effective June 1, 2025. Businesses should not assume an SBA 7(a) or 504 loan can be used to refinance existing MCA obligations.

Not Legal Advice

All content is educational and is not legal advice. Businesses with questions regarding existing agreements should consult qualified legal counsel.