What to do with capital
60-second TL;DR
Capital performs when it's tied to a clear use. Match the structure (MCA vs term) to the use: short-cycle uses like inventory fit MCA; longer projects fit term loans.
Core ideas
- • Inventory: short-cycle, often MCA-friendly if you turn it quickly
- • Payroll / gaps: match repayment to when you collect (MCA or short-term)
- • Expansion: if 6–12+ months to payoff, term loan may fit better
- • Consolidation: pay off higher-cost debt — ensure total cost actually drops
- • Align use with structure. Don't use MCA for a 12-month project.
Next steps
Capital works best with operations and continuity in view — not in silos.