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Merchant Cash Advance (MCA) Simple Financing Example

Estimated Monthly debits* for a $900 purchase

No Financing Fee Promotional Offer

Est. Monthly Debit

Est. Monthly Fee

$900

$0 fee, 0%

N/A

N/A

N/A

N/A

N/A

N/A

1 Month Financing Period

Est. Monthly Debit

Est. Monthly Fee

$900

$0 fee, 0%

$909

$9 fee, 1%

$918

$18 fee, 2%

$927

$27 fee, 3%

2 Month Financing Period

Est. Monthly Debit

Est. Monthly Fee

$450

$0 fee, 0%

$455

$5 fee, 1%

$459

$9 fee, 2%

$464

$14 fee, 3%

3 Month Financing Period

Est. Monthly Debit

Est. Monthly Fee

$300

$0 fee, 0%

$303

$3 fee, 1%

$306

$6 fee, 2%

$309

$9 fee, 3%

Lowest Financing Monthly Estimated Debit* Amount Example:

Estimated monthly debit amount for a $900 purchase at the equivalent of 1%* financing fee with a period of 3 months would result in 3 monthly debits of $303.

Maximum Financing Monthly Amount Example:

Estimated monthly debit* amount for a $900 purchase at the equivalent of 3%* financing cost of 3 months would result in 3 monthly debits of $309.

Estimated monthly debit amount is based on the equivalent of 1% financing fee over a financing period of 3 months. The monthly financing fee is expressed in a percentage as an example only for comparison purposes. Financing fee typical for business customers with exceptional creditworthiness and is calculated based on purchase amount and does not decline until satisfaction of the transaction. Merchant Cash Advance (MCA) Terms and Conditions subject to change at any time.

*Estimated Debit as listed in the portal under the Transaction Summary will set forth the estimated timing (the “Debit Schedule”) and amount (the “Debit Amount”) of the expected debits of the Total Outstandings and the amount of the Order Payment advanced.

**Financing details are subject to underwriting approval. Behalf’s Net is an alternative financing option offered by Select merchants and allows the Business Customer to pay no financing fees if the Order Request is satisfied in full and in accordance with terms and conditions within 30 days. Assignment of purchasing limit occurs at Behalf Internet Account Enrollment. Application and approval occurs at the transaction checkpoint. Financing fees are calculated based on transaction amount and do not decline until full satisfaction of the transaction. Terms and conditions subject to change at any time. For approved customers with approved transactions paid to merchants via ACH, the majority of funds are extended the next business day. For approved transactions paid to merchants via a Visa Virtual Card, the majority of funds are extended the same business day. The majority of customers receive a transaction approval decision within 24 business hours (Monday to Thursday, 8am to 4:45pm ET) and in some cases, a same-day decision. Delays could occur due to unforeseen circumstances, or additional information or verification required. The Virtual Card is a payment vehicle whereby Behalf is the Cardholder and Customers are assigned a number for checkout, as authorized users for approved transactions to facilitate the processing of the financing proceeds directly to the merchant. Transactions must be individually underwritten and approved before each Virtual Card use.