If you’re exploring merchant cash advances (MCAs) for your business, one of the first decisions
you’ll need to make is how repayment will be structured.
Most MCAs are repaid through automatic withdrawals from your business bank account, either
daily or weekly. While the concept is simple, the structure can have a real impact on your cash
flow and operations.
This breakdown will help you decide what’s best for your business.
How MCA Repayment Works
Unlike traditional business loans, MCAs don’t come with fixed monthly payments. Instead, you
repay a set “purchase amount” based on the advance you receive, using a portion of your sales
or fixed debits.
This model is designed for speed and flexibility, but how often you’re debited matters.
Daily Payments

What Makes This Option Work
Daily payments are ideal for businesses that process steady, reliable sales each day. Logic
structures daily repayments to align with your incoming revenue, helping you manage smaller,
more frequent deductions without surprises.
Advantages
● Smaller withdrawals that are easier to manage
● Keeps your MCA balance steadily declining
● Works well for businesses with consistent daily credit card transactions
Caution Points
● Can put pressure on your cash flow if you have slow sales days
● May overlap with other daily expenses like inventory restocks or utilities
Best Fit For
Retail shops, quick-service restaurants, nail salons, and e-commerce brands, especially those
with steady card volume and daily transaction activity.
Weekly Payments

What Makes This Option Work
Weekly payments provide more breathing room throughout the week and are a great fit for
businesses with higher-ticket or less frequent revenue. Logic offers flexible weekly structures to
match your deposit cycle and overhead.
Advantages
● Fewer withdrawals throughout the week, easing day-to-day cash flow
● Easier to coordinate with payroll, rent, and vendor payment schedules
● Simplifies bookkeeping with fewer line items
Caution Points
● Weekly payments are larger, so proper budgeting is essential
● Missing a weekly payment can have a bigger short-term impact than a missed daily pull
Best Fit For
Construction companies, consultants, contractors, and B2B service provider, especially those
that invoice clients or receive lump sums weekly or biweekly.
There’s no one-size-fits-all answer – only what matches your business rhythm.
Why Businesses Work with Logic Advance Group
At Logic, we understand that the wrong repayment structure can do more harm than good.
That’s why we don’t just drop offers and we match you with options that make sense.
We help you:
● Compare daily vs. weekly repayment options
● Choose terms that align with your cash flow
● Avoid funding fatigue with smart, transparent terms
● Get approved fast with no unnecessary pressure
Whether you’re in retail or construction, B2C or B2B, we make sure your funding works with
you, not against you.
We match you with lenders who offer flexible terms.
Start your application and get matched in hours, not days.