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Importantly, an MCA has minimal impact on a business’s credit score. Since repayments are based on a percentage of daily sales rather than fixed amounts tied to interest rates, the process has less of an impact on the business’s credit standing this page. This is particularly beneficial for new or small businesses that may be concerned about the potential impact of borrowing on their credit ratings. However, it's worth noting that some MCA lenders may report the loan to credit agencies, and businesses should consider the terms before taking out the advance.