Does Keystone refinance Merchant Cash Advances?

Often, yes. Where a transaction is approved, proceeds may be used to pay off qualifying advances at closing. Each obligation is reviewed during underwriting.

What assets can Keystone lend against?

Accounts receivable, commercial or investment real estate, equipment, machinery, vehicles and inventory. Facilities generally range from $50,000 to $750,000.

Do I need real estate?

No. Real estate can strengthen a transaction, but receivables, equipment and inventory may also support financing.

Can Keystone help me eventually return to a bank?

That is often the objective. Keystone can serve as a bridge while your business stabilizes. No lender can guarantee that a business will qualify for bank financing.

PayoffMCA.com

What is your MCA really costing you?

Calculate the estimated APR-equivalent cost of your MCA, then see if Keystone may be able to replace it with substantially lower-cost asset-based financing.

Calculate My MCA Cost

Business financing from $50,000 to $750,000
Keystone Business Credit, LLC — Direct Lender

MCA Cost Calculator

Four numbers from your agreement.

How much did you get?

Look for Purchase Price, Loan Amount, Funding Amount or Advance Amount on your agreement.

How much do you have to pay back?

Look for Amount Sold, Total Payback, Purchased Amount or Total of Payments.

How much is each payment?

How often do you pay?

Daily assumes one withdrawal each business day, Monday through Friday.

Were any fees taken out before you received the money?

Enter the three amounts above to see your estimated APR-equivalent cost.

There may be a much less expensive way to finance your business.

Keystone is an asset-based direct lender. We use the assets your business already has to provide financing that can cost a fraction of an MCA.

What does your business have?

Let Keystone review your deal.

Send us the basics and a Keystone loan officer will review the transaction and determine what financing structure may be available.

Business Name

Your Name

Phone

How Much Financing Do You Need?

Anything Else We Should Know? (optional)

By submitting, you consent to be contacted by Keystone Business Credit by phone, text or email regarding business-purpose financing. Submitting this form does not create an approval, commitment or offer of financing.

Our goal is to get you back to a bank.

MCA
Keystone
Stabilize Your Business
Bank Financing

Keystone can provide a bridge while your business stabilizes and works toward qualifying for conventional financing again.

Conventional bank financing is not guaranteed and depends on future financial performance and lender requirements. Illustrative range only. Actual rates, fees, financing costs and terms depend on the transaction, collateral, utilization, underwriting and other factors. Not a commitment to lend.

Frequently Asked Questions

Questions business owners ask us

It converts your advance amount, total payback and payment schedule into an estimated APR-equivalent cost, so you can compare your MCA to other business financing. It is an estimate, not a quote.