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Important disclosure: Wavecrest Funding provides merchant cash advances (MCAs) — the purchase of a fixed amount of your business’s future receivables. An MCA is not a loan and does not carry an interest rate or annual percentage rate (APR). Repayment is made by remitting a set percentage of your sales until the purchased amount is delivered; the total remitted equals the advance amount multiplied by a factor rate agreed in writing before funding. Estimated terms typically range from 3 to 24 months and vary by file. There is no application fee, and starting an application does not affect your personal credit score. Advances are available only to qualifying U.S.-based businesses and are subject to underwriting review and a signed agreement. See our full Disclosures for details.