Weekly Payment MCA
Weekly payment MCA structures collect a fixed dollar amount or percentage from the merchant's bank account once per week via ACH — typically used for B2B service businesses, professional services, and merchants with weekly revenue cycles where daily collection creates operational friction.
Why This Matters
Weekly payment is the secondary MCA structure, common in B2B and service businesses where revenue is lumpy by week rather than smooth daily. A construction contractor, professional services firm, or B2B service company often deposits revenue 1-2 times per week rather than daily — making weekly ACH alignment more natural than daily debits that may bounce on quiet days. Funders supporting weekly structures typically charge slightly higher factor rates to compensate for weekly cash collection risk versus daily smoothing.
Example
B2B service business takes $60K advance at 1.36 factor ($81,600 payback) with weekly payment of $1,700 × 48 weeks = $81,600 over roughly 11 months calendar time. Weekly cadence matches the company's Monday weekly invoicing and Friday weekly deposit cycle.
Frequently Asked Questions
Frequently Asked Questions
Which businesses suit weekly MCA payment best?
B2B services, contractors, professional services, freelance and consulting businesses, and merchants with concentrated weekly billing cycles. Daily ACH for these merchants creates bounce risk on quiet days; weekly aligns with deposit reality.
Are weekly payments more expensive than daily?
Slightly higher factor rates often apply to weekly payments — typically 0.02-0.05 added to the factor — to compensate for collection risk concentration. Total cost difference on a typical deal is 2-5% premium versus daily structure.