Merchant Cash Advance in Athens, GA
A merchant cash advance in Athens gives you working capital by purchasing a slice of your future credit-card and debit-card sales, then collecting a fixed percentage of daily receipts until the advance is repaid.
A merchant cash advance in Athens gives you working capital by purchasing a slice of your future credit-card and debit-card sales, then collecting a fixed percentage of daily receipts until the advance is repaid.
Cash advance
A merchant cash advance is not a loan. It is a lump-sum payment you receive today in exchange for a percentage of tomorrow's card sales. The funder deducts an agreed share, often 10 to 20 percent, from every batch your processor settles until the purchased amount plus the fee is collected. Repayment flexes with revenue: busy Saturday at your downtown Athens café means a larger remittance; slow Tuesday means a smaller one. Retailers along East Broad Street, restaurants near the University of Georgia arch, and service shops in the Beechwood Shopping Center use merchant cash advances when speed trumps cost and their card volume is steady.
Qualification hinges on card-processing history, not FICO scores or tax returns. Funders review three to six months of merchant statements to verify monthly volume, chargeback rates, and transaction consistency. Most require at least $5,000 in monthly card sales, six months in business, and no recent bankruptcies. Athens coffee roasters, boutique hotels on Milledge Avenue, and auto-repair garages in Normaltown often qualify even if a bank said no. Hazelcrest Group collects your statements, matches you with funders who serve your industry, and negotiates terms so you understand exactly what percentage leaves your account each day.
Business owners tap merchant advance funds to restock inventory before football weekends, cover payroll gaps between tourism seasons, repair HVAC units mid-summer, or launch marketing blitzes when a competitor opens nearby. One Athens farm-to-table restaurant used MCA cash to replace a walk-in cooler the week before Classic City Brew Fest, keeping perishables safe and service uninterrupted. Because funds arrive quickly, merchant cash advances suit emergencies and time-sensitive opportunities better than long-term growth projects.
How it works
Call (706) 963-2915 or visit our Bogart office at 1551 Jennings Mill Rd, Bogart, GA 30622, Athens, GA. We ask for three months of card-processing statements and a voided business check. Within one business day we present options from multiple funders, explain the factor rate and holdback percentage in plain English, and walk you through the one-page agreement. No jargon, no hidden clauses. Once you sign, funds typically hit your account in three to seven days. We also broker SBA 7(a) loans, working capital loans, and equipment financing if a merchant cash advance is not the right fit. Explore all our business financing programs in Athens or check our full service area.
Serving the Athens area
We know which lenders fund which kinds of Athens businesses, and we position your file where it fits.
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Common questions
Why Athens owners trust Hazelcrest Group
Talk to a local advisor and get matched to the right program, no obligation.