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세계의 MCA(Merchant Cash Advance) 시장 보고서(2025년)
Merchant Cash Advance Global Market Report 2025
상품코드 : 1705364
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 200 Pages
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한글목차

MCA(Merchant Cash Advance) 시장 규모는 향후 몇 년 동안 강력한 성장세를 보일 것으로 예상되며, 2029년까지 연평균 성장률(CAGR) 6.9%로 257억 9,000만 달러에 달할 것으로 예상됩니다. 예측 기간의 성장은 E-Commerce 확대, 인터넷 보급률 증가, 소비자 소비 트렌드, 규제 동향, 인지도 및 수용성 향상에 기인하는 것으로 보입니다. 예측 기간의 주요 동향으로는 디지털 결제 도입, 기술 혁신, 데이터 분석의 발전, 금융 기술 강화, 커스터마이징, 개인화 등이 있습니다.

머천트 캐쉬 어드밴스 시장은 중소기업(SME)의 급격한 성장에 힘입어 성장세를 보이고 있습니다. 중소기업은 직원 수 50명 미만, 중견기업은 250명 미만의 기업으로 정의되며, 이러한 성장은 클라우드 컴퓨팅, E-Commerce, 세계화, 인터넷 접근성 향상 등의 발전에 힘입어 성장하고 있습니다. 이러한 요인들은 중소기업의 업무 효율성과 세계 시장 접근성을 높이고, 중소기업의 경쟁을 촉진하고 있습니다. 머천트 캐싱을 통해 중소기업은 자금 관리, 사업 확장, 사업 기회 확보 등 긴급한 자금 수요에 신속하게 대응할 수 있으며, 2023년 11월에는 미국 전체 기업의 99.9%인 3,330만 개가 중소기업이며, 2021년 3월부터 2022년 3월까지 4400만 개가 중소기업으로 성장할 것으로 예상됩니다. 월부터 2022년 3월까지 44만 7,519개 기업이 순증했습니다. 이러한 중소기업의 견조한 성장은 머천트 캐쉬 어드밴스 시장을 발전시킬 것으로 예상됩니다.

머천트 캐쉬 어드밴스 시장의 주요 업체들은 경쟁 우위를 확보하기 위해 유연한 결제 시스템과 같은 혁신적인 솔루션을 도입하는 데 주력하고 있습니다. 유연한 결제 솔루션이란 할부, 정기 구매, 후불 등 다양한 옵션을 고객에게 제공하여 다양한 금융 니즈에 대한 편의성과 접근성을 향상시키는 결제 시스템을 말합니다. 예를 들어, 2022년 11월 미국의 대형 E-Commerce 기업인 아마존(Amazon Inc.)은 미국 소프트웨어 기업인 파라핀(Parafin)과 공동으로 판매자 캐시 어드밴스(Merchant Cash Advance) 프로그램을 시작했습니다. 아마존의 프로그램은 미국을 기반으로 하는 판매자에게 미래 매출에 연동된 유연한 대출을 제공하는 것으로, 판매자는 무이자, 무담보, 상품 총매출액에 따른 상환으로 신속하게 자금을 이용할 수 있습니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 - 금리, 인플레이션, 지정학, 신종 코로나바이러스 감염증, 그리고 경기회복이 시장에 미치는 영향을 포함한 거시경제 시나리오

제5장 세계의 성장 분석과 전략 분석 프레임워크

제6장 시장 세분화

제7장 지역별·국가별 분석

제8장 아시아태평양 시장

제9장 중국 시장

제10장 인도 시장

제11장 일본 시장

제12장 호주 시장

제13장 인도네시아 시장

제14장 한국 시장

제15장 서유럽 시장

제16장 영국 시장

제17장 독일 시장

제18장 프랑스 시장

제19장 이탈리아 시장

제20장 스페인 시장

제21장 동유럽 시장

제22장 러시아 시장

제23장 북미 시장

제24장 미국 시장

제25장 캐나다 시장

제26장 남미 시장

제27장 브라질 시장

제28장 중동 시장

제29장 아프리카 시장

제30장 경쟁 구도와 기업 개요

제31장 기타 주요 기업과 혁신적 기업

제32장 세계의 시장 경쟁 벤치마킹과 대시보드

제33장 주요 인수합병

제34장 최근의 시장 동향

제35장 시장 잠재력이 높은 국가, 부문, 전략

제36장 부록

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영문 목차

영문목차

A merchant cash advance (MCA) is a financial product where a lender gives immediate cash to a business in exchange for a portion of its future credit card sales. This option is favored by businesses seeking fast access to capital, and repayment is based on a fixed percentage of daily credit card transactions until the advance and associated fees are fully repaid.

Merchant cash advances are categorized into three main product types $5,000-250,000, $250,000-500,000, and over $500,000. The segment covering MCAs from $5,000 to $250,000 primarily targets small to medium-sized businesses needing short-term cash flow support. Repayment methods include MCA Split, automated clearing house (ACH), and MCA lockbox. Applications for MCAs span various sectors such as healthcare, manufacturing, retail and e-commerce, travel and hospitality, energy and utilities, information technology (IT), and telecom.

The merchant cash advance market research report is one of a series of new reports from the business research company that provides merchant cash advance market statistics, including merchant cash advance industry global market size, regional shares, competitors with an merchant cash advance market share, detailed merchant cash advance market segments, market trends and opportunities, and any further data you may need to thrive in the merchant cash advance industry. This merchant cash advance market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.

The merchant cash advance market size has grown strongly in recent years. It will grow from $18.41 billion in 2024 to $19.73 billion in 2025 at a compound annual growth rate (CAGR) of 7.2%. The growth in the historic period can be attributed to economic recession recovery, the rise of small and medium enterprises, an increase in credit card transactions, rising e-commerce sales, and high demand for quick funding.

The merchant cash advance market size is expected to see strong growth in the next few years. It will grow to $25.79 billion in 2029 at a compound annual growth rate (CAGR) of 6.9%. The growth in the forecast period can be attributed to e-commerce expansion, increased internet penetration, consumer spending trends, regulatory developments, and increasing awareness and acceptance. Major trends in the forecast period include digital payment adoption, technological innovations, advancements in data analytics, enhanced financial technology, customization, and personalization.

The merchant cash advance market is poised for growth, driven by the rapid expansion of small and medium enterprises (SMEs). Defined as companies with fewer than 50 employees for small-size enterprises and fewer than 250 for medium-size enterprises, this growth is fueled by advancements in cloud computing, e-commerce, globalization, and improved internet accessibility. These factors enhance operational efficiency and global market reach, fostering competitiveness among SMEs. Merchant cash advances enable small businesses to swiftly secure capital for immediate needs such as cash flow management, expansion initiatives, and seizing opportunities. In November 2023, small businesses comprised 99.9% of all U.S. businesses, totaling 33.3 million, with a net increase of 447,519 establishments from March 2021 to March 2022. This robust SME growth is expected to drive the merchant cash advance market forward.

Major companies in the merchant cash advance market are focusing on introducing innovative solutions, such as flexible payment systems, to gain a competitive advantage. A flexible payment solution is a payment system that offers customers various options, such as installment plans, subscription billing, or deferred payments, improving convenience and accessibility for diverse financial needs. For example, in November 2022, Amazon Inc., a US-based e-commerce giant, launched a merchant cash advance program in collaboration with Parafin, a US-based software company. Amazon's program provides U.S.-based sellers with flexible financing linked to future sales, enabling them to access capital quickly, with no interest, no collateral, and repayment based on gross merchandise sales.

In December 2022, TymeBank Holdings Limited, a digital bank based in South Africa, acquired Retail Capital for R1.5 billion ($82.16 million). This strategic acquisition enables TymeBank to broaden its services by incorporating working capital financing for small and medium-sized enterprises (SMEs), leveraging Retail Capital's specialized experience and expertise in this field. Retail Capital, a South African fintech company, specializes in providing merchant cash advance funding solutions to SMEs.

Major companies operating in the merchant cash advance market are American Express Company, PayPal Holdings Inc., Stripe Capital Inc., Lendio Inc., Kabbage Inc., Square Capital LLC, CAN Capital Inc., OnDeck Capital Inc., National Funding, YouLend, Rapid Finance, Fora Financial LLC, Reliant Funding, Fundbox Inc., Credibly Holdings LLC, National Business Capital & Services, BFS Capital Inc., biz2credit Inc., Par Funding, Libertas Funding LLC, Greenbox Capital LLC, Kalamata Capital Group LLC, Perfect Alliance Capital LLC, Advance America Capital Corp, Swift Capital

North America was the largest region in the merchant cash advance market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the merchant cash advance market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

The countries covered in the merchant cash advance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The merchant cash advance market includes revenues earned by entities by providing services such as funding, credit card processing, repayment management, and financial consulting. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

Merchant Cash Advance Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on merchant cash advance market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Where is the largest and fastest growing market for merchant cash advance ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward? The merchant cash advance market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The forecasts are made after considering the major factors currently impacting the market. These include the Russia-Ukraine war, rising inflation, higher interest rates, and the legacy of the COVID-19 pandemic.

Scope

Table of Contents

1. Executive Summary

2. Merchant Cash Advance Market Characteristics

3. Merchant Cash Advance Market Trends And Strategies

4. Merchant Cash Advance Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Covid And Recovery On The Market

5. Global Merchant Cash Advance Growth Analysis And Strategic Analysis Framework

6. Merchant Cash Advance Market Segmentation

7. Merchant Cash Advance Market Regional And Country Analysis

8. Asia-Pacific Merchant Cash Advance Market

9. China Merchant Cash Advance Market

10. India Merchant Cash Advance Market

11. Japan Merchant Cash Advance Market

12. Australia Merchant Cash Advance Market

13. Indonesia Merchant Cash Advance Market

14. South Korea Merchant Cash Advance Market

15. Western Europe Merchant Cash Advance Market

16. UK Merchant Cash Advance Market

17. Germany Merchant Cash Advance Market

18. France Merchant Cash Advance Market

19. Italy Merchant Cash Advance Market

20. Spain Merchant Cash Advance Market

21. Eastern Europe Merchant Cash Advance Market

22. Russia Merchant Cash Advance Market

23. North America Merchant Cash Advance Market

24. USA Merchant Cash Advance Market

25. Canada Merchant Cash Advance Market

26. South America Merchant Cash Advance Market

27. Brazil Merchant Cash Advance Market

28. Middle East Merchant Cash Advance Market

29. Africa Merchant Cash Advance Market

30. Merchant Cash Advance Market Competitive Landscape And Company Profiles

31. Merchant Cash Advance Market Other Major And Innovative Companies

32. Global Merchant Cash Advance Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Merchant Cash Advance Market

34. Recent Developments In The Merchant Cash Advance Market

35. Merchant Cash Advance Market High Potential Countries, Segments and Strategies

36. Appendix

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