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Nov 9, 2016 But short-term financing solutions shouldn't be used for long- or even medium-term business investments, says Caitlin McShane, marketing and communications director at the California nonprofit lender Opportunity Fund. California-based businesses can refinance merchant cash advances through  OnDeck offers small business loans in the U.S. issuing over $8 billion dollars in loans, providing business loans, lines of credit, and equipment financing.

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Apr 1, 2008 A merchant cash advance -- also known as credit and receivables financing -- is essentially the business equivalent of a payday loan. A business In court documents, the plaintiffs claimed the company broke California's usury law by charging effective interest rates as high as 419 percent. (Unlicensed 

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