Guides
Plain-language answers on merchant cash advances, card processing and the state rules behind them, each fact linked to the source we checked.
By Business Funders editorial teamUpdated Oct 20, 2026
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Merchant cash advances
- How a merchant cash advance worksFactor rates, split vs fixed debit, reconciliation, and the true cost worked out.Read the guide
- MCA stackingWhat happens when advances pile up, and the steps to get out.Read the guide
- Paying off an MCA earlyEarly payoff discounts, payoff letters and ending the UCC filing.Read the guide
Card processing
Laws and rules
- Is an MCA legal in New Jersey?What New Jersey regulates today and the bills pending.Read the guide
- State disclosure lawsThe 12 states with commercial financing disclosure laws, with statute links.Read the guide
- Surcharge laws by stateCard network rules and the states we have verified so far.Read the guide
Funding questions, answered
- Bad credit business loans
- Business funding glossary
- Business loan rates
- Business loan requirements
- Equipment financing with bad credit
- How to vet an MCA company
- Invoice factoring vs merchant cash advance
- Line of credit requirements
- Line of credit vs credit card
- Line of credit with no credit check
- MCA debt relief
- MCA factor rate to APR
- MCA for bad credit
- MCA requirements
- MCA vs business loan
- MCA vs line of credit
- No credit check business loans
- Same day business loans
- Same day MCA funding
- SBA 7(a) vs 504
- SBA loan rates
- SBA loan requirements
- SBA loan to buy a business
- SBA loan vs business loan
- Startup business loans
- Working capital loans
Card processing, compared
- Auto repair credit card processing
- Cash discount programs
- Chargeback fees
- Cheapest credit card processing
- Clover fees
- Contractor credit card processing
- Convenience store credit card processing
- Credit card processing fees
- Credit card terminal leases
- Ecommerce payment processing
- GoDaddy Payments fees
- High risk merchant accounts
- How to accept credit cards
- How to lower processing fees
- How to switch processors
- Medical credit card processing
- Merchant account vs Square
- Merchant services in NJ
- PayPal Zettle fees
- PCI compliance fees
- Restaurant credit card processing
- Retail credit card processing
- Salon credit card processing
- Shopify Payments fees
- Square fees
- Square vs Clover vs Stripe
- Square vs Toast
- Stripe fees
- Surcharge vs cash discount
- Tiered pricing
- Toast fees
- Zero fee processing