ArticleController :: show
Request
GET Parameters
None
POST Parameters
None
Uploaded Files
None
Request Attributes
Key | Value |
---|---|
_controller | "App\Controller\ArticleController::show" |
_firewall_context | "security.firewall.map.context.main" |
_links | Symfony\Component\WebLink\GenericLinkProvider {#3535 -links: [ 3656 => Symfony\Component\WebLink\Link {#3656 -href: "/build/runtime.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3654 => Symfony\Component\WebLink\Link {#3654 -href: "/build/644.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3653 => Symfony\Component\WebLink\Link {#3653 -href: "/build/502.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3652 => Symfony\Component\WebLink\Link {#3652 -href: "/build/app.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3651 => Symfony\Component\WebLink\Link {#3651 -href: "/build/view-more.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3650 => Symfony\Component\WebLink\Link {#3650 -href: "/build/term-condition.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3649 => Symfony\Component\WebLink\Link {#3649 -href: "/build/contact.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3648 => Symfony\Component\WebLink\Link {#3648 -href: "/build/scroll-infinite-article.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3647 => Symfony\Component\WebLink\Link {#3647 -href: "/build/app.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } 3646 => Symfony\Component\WebLink\Link {#3646 -href: "/build/cookie-style.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } 3645 => Symfony\Component\WebLink\Link {#3645 -href: "/build/term-condition-css.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } 3644 => Symfony\Component\WebLink\Link {#3644 -href: "/build/contact-css.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } 3643 => Symfony\Component\WebLink\Link {#3643 -href: "/build/comment-css.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } ] } |
_route | "article_show" |
_route_params | [ "category" => "financial" "slug" => "merchant-cash-advance-all-you-need-to-know" ] |
_security_firewall_run | "_security_main" |
_stopwatch_token | "9c17ab" |
category | "financial" |
slug | "merchant-cash-advance-all-you-need-to-know" |
Request Headers
Header | Value |
---|---|
accept | "*/*" |
accept-encoding | "gzip, br, zstd, deflate" |
connection | "close" |
host | "rct.dev.bbntimes.com" |
user-agent | "Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)" |
x-php-ob-level | "1" |
Request Content
Request content not available (it was retrieved as a resource).
Response
Response Headers
Header | Value |
---|---|
cache-control | "no-cache, private" |
content-type | "text/html; charset=UTF-8" |
date | "Fri, 20 Jun 2025 17:44:17 GMT" |
link | "</build/runtime.js>; rel="preload"; as="script",</build/644.js>; rel="preload"; as="script",</build/502.js>; rel="preload"; as="script",</build/app.js>; rel="preload"; as="script",</build/view-more.js>; rel="preload"; as="script",</build/term-condition.js>; rel="preload"; as="script",</build/contact.js>; rel="preload"; as="script",</build/scroll-infinite-article.js>; rel="preload"; as="script",</build/app.css>; rel="preload"; as="style",</build/cookie-style.css>; rel="preload"; as="style",</build/term-condition-css.css>; rel="preload"; as="style",</build/contact-css.css>; rel="preload"; as="style",</build/comment-css.css>; rel="preload"; as="style"" |
x-debug-token | "c2c974" |
Cookies
Request Cookies
No request cookies
Response Cookies
No response cookies
Session 11
Session Metadata
Key | Value |
---|---|
Created | "Fri, 20 Jun 25 17:44:16 +0000" |
Last used | "Fri, 20 Jun 25 17:44:16 +0000" |
Lifetime | 0 |
Session Attributes
Attribute | Value |
---|---|
_csrf/https-comment | "SYlTVa_LAhaRxbKnjeVsFxtITsdGuECcGqROjpLKZS4" |
_csrf/https-cookie_accept | "nOyc9cr-703MaO91LaeRTha6LbPI8eBEYRWe7qbyt-Q" |
Session Usage
11
Usages
Stateless check enabled
Usage |
---|
Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:76
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:79
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:69
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:52
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:56
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:69
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:70
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:71
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:72
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:73
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"type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/EventDispatcher.php" "line" => 220 "function" => "__invoke" "class" => "Symfony\Component\EventDispatcher\Debug\WrappedListener" "type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/EventDispatcher.php" "line" => 56 "function" => "callListeners" "class" => "Symfony\Component\EventDispatcher\EventDispatcher" "type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/Debug/TraceableEventDispatcher.php" "line" => 139 "function" => "dispatch" "class" => "Symfony\Component\EventDispatcher\EventDispatcher" "type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php" "line" => 214 "function" => "dispatch" "class" => "Symfony\Component\EventDispatcher\Debug\TraceableEventDispatcher" "type" => "->" 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"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php" ] "function" => "require_once" ] ] |
Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage:41
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"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/src/Controller/ArticleController.php" "line" => 277 "function" => "render" "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController" "type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php" "line" => 181 "function" => "show" "class" => "App\Controller\ArticleController" "type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php" "line" => 76 "function" => "handleRaw" "class" => "Symfony\Component\HttpKernel\HttpKernel" "type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Kernel.php" "line" => 197 "function" => "handle" "class" => "Symfony\Component\HttpKernel\HttpKernel" "type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php" "line" => 35 "function" => "handle" "class" => "Symfony\Component\HttpKernel\Kernel" "type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php" "line" => 29 "function" => "run" "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner" "type" => "->" ] [ "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php" "line" => 5 "args" => [ "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php" ] "function" => "require_once" ] ] |
Flashes
Flashes
No flash messages were created.
Server Parameters
Server Parameters
Defined in .env
Key | Value |
---|---|
APP_ENV | "dev" |
APP_SECRET | "0a988e63f011514eaabfc650b599af4d" |
CORS_ALLOW_ORIGIN | "*" |
DATABASE_URL | "mysql://bbndb_rctuser:33F5W25z40or0f7@localhost:3306/rct_bbntimes" |
GOOGLE_RECAPTCHA_SECRET_KEY | "6LdV5fgpAAAAANxzTG8ZMfIjil1wu-1vrQvnUt-x" |
GOOGLE_RECAPTCHA_SITE_KEY | "6LdV5fgpAAAAAENKcn73MJAhQrbtQeqgyC4wDLMP" |
MAILER_DSN | "smtp://no-reply%40rct.dev.bbntimes.com:Bl6%26gLD48%26Of919@rct.dev.bbntimes.com:465" |
MARIADB_PASSWORD | "i!87pK&!85ezc8" |
Defined as regular env variables
Key | Value |
---|---|
APP_DEBUG | "1" |
BASE | "/public" |
CONTEXT_DOCUMENT_ROOT | "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com" |
CONTEXT_PREFIX | "" |
DOCUMENT_ROOT | "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com" |
FCGI_ROLE | "RESPONDER" |
GATEWAY_INTERFACE | "CGI/1.1" |
HTTPS | "on" |
HTTP_ACCEPT | "*/*" |
HTTP_ACCEPT_ENCODING | "gzip, br, zstd, deflate" |
HTTP_CONNECTION | "close" |
HTTP_HOST | "rct.dev.bbntimes.com" |
HTTP_USER_AGENT | "Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)" |
PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY | "0" |
PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY | "0" |
PATH | "/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin" |
PHP_SELF | "/public/index.php" |
PP_CUSTOM_PHP_CGI_INDEX | "plesk-php81-fastcgi" |
PP_CUSTOM_PHP_INI | "/var/www/vhosts/system/rct.dev.bbntimes.com/etc/php.ini" |
QUERY_STRING | "" |
REDIRECT_BASE | "/public" |
REDIRECT_HTTPS | "on" |
REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY | "0" |
REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY | "0" |
REDIRECT_REDIRECT_HTTPS | "on" |
REDIRECT_REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY | "0" |
REDIRECT_REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY | "0" |
REDIRECT_REDIRECT_SCRIPT_URI | "https://rct.dev.bbntimes.com/financial/merchant-cash-advance-all-you-need-to-know" |
REDIRECT_REDIRECT_SCRIPT_URL | "/financial/merchant-cash-advance-all-you-need-to-know" |
REDIRECT_REDIRECT_SSL_TLS_SNI | "rct.dev.bbntimes.com" |
REDIRECT_REDIRECT_STATUS | "200" |
REDIRECT_REDIRECT_UNIQUE_ID | "aFWd8CKR-3etdTex4HnlUgAAAMk" |
REDIRECT_SCRIPT_URI | "https://rct.dev.bbntimes.com/financial/merchant-cash-advance-all-you-need-to-know" |
REDIRECT_SCRIPT_URL | "/financial/merchant-cash-advance-all-you-need-to-know" |
REDIRECT_SSL_TLS_SNI | "rct.dev.bbntimes.com" |
REDIRECT_STATUS | "200" |
REDIRECT_UNIQUE_ID | "aFWd8CKR-3etdTex4HnlUgAAAMk" |
REDIRECT_URL | "/public/financial/merchant-cash-advance-all-you-need-to-know" |
REMOTE_ADDR | "216.73.216.240" |
REMOTE_PORT | "53417" |
REQUEST_METHOD | "GET" |
REQUEST_SCHEME | "https" |
REQUEST_TIME | 1750441456 |
REQUEST_TIME_FLOAT | 1750441456.713 |
REQUEST_URI | "/financial/merchant-cash-advance-all-you-need-to-know" |
SCRIPT_FILENAME | "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php" |
SCRIPT_NAME | "/public/index.php" |
SCRIPT_URI | "https://rct.dev.bbntimes.com/financial/merchant-cash-advance-all-you-need-to-know" |
SCRIPT_URL | "/financial/merchant-cash-advance-all-you-need-to-know" |
SERVER_ADDR | "5.196.1.209" |
SERVER_ADMIN | "[no address given]" |
SERVER_NAME | "rct.dev.bbntimes.com" |
SERVER_PORT | "443" |
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current_article | App\Entity\Article {#1094 -id: 13855 -title: "Merchant Cash Advance - All You Need to Know" -slug: "merchant-cash-advance-all-you-need-to-know" -introtext: "<p>In the world of business, cash flow is king.</p>\r\n" -content: """ \r\n <p>Even the most successful businesses sometimes face cash flow issues. One solution to this problem is a merchant cash advance (MCA), a financing option that allows businesses to receive cash upfront in exchange for a portion of their future sales. This article will provide a comprehensive guide to merchant cash advances, covering everything from how they work to their pros and cons.</p>\r\n <h2>What Is a Merchant Cash Advance?</h2>\r\n <p><img src="/images/jch-optimize/ng/images_articles_global-economy_5__Benefits__of__Online__Marketing__for__Small__Businesses.webp" alt="5 Benefits of Online Marketing for Small Businesses" width="600" height="400" /></p>\r\n <p>A merchant cash advance is a type of financing where a lender provides a lump sum of cash to a business in exchange for a portion of its future credit or debit card sales.</p>\r\n <p>Unlike traditional loans, a merchant cash advance does not require collateral and is typically repaid through daily or weekly deductions from the business’s credit or debit card sales.</p>\r\n <p>In exchange for the advance, the business agrees to give the lender a portion of their future credit card sales until the advance is repaid.</p>\r\n <p>Merchant cash advances are usually utilized by small businesses that may have difficulty securing traditional bank loans due to poor credit or lack of collateral. They are often used for short-term financing needs, such as inventory purchases, equipment upgrades, or marketing expenses. </p>\r\n <p>They can be expensive, with fees and interest rates that can add up to the equivalent of an <a href="https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-an-interest-rate-and-the-annual-percentage-rate-apr-in-an-auto-loan-en-733/#:~:text=The%20Annual%20Percentage%20Rate%20(APR)%20is%20the%20cost%20you%20pay,pay%20to%20get%20the%20loan." target="_blank" rel="noopener">annual percentage rate </a>(APR) of 50% or higher. As such, businesses should carefully consider the costs and risks associated with a merchant cash advance before choosing them as a financing option.</p>\r\n <h2>How Does a Merchant Cash Advance Work?</h2>\r\n <p>The process of obtaining a merchant cash advance is relatively simple. First, the business applies for the advance, providing information about their business and their credit card sales history. The lender then evaluates the application and determines whether or not to approve the advance.</p>\r\n <p>If the advance is approved, the lender will provide the business with a lump sum of cash. In exchange, the business agrees to give the lender a percentage of their daily credit card sales until the advance is repaid. This percentage is known as the "factor rate" or the "retrieval rate."</p>\r\n <p>For example, if a business receives a merchant cash advance of $50,000 with a retrieval rate of 15%, the business would have to pay back $57,500. This is because the retrieval rate is calculated by multiplying the advance amount by the retrieval rate. In this case, $50,000 x 1.15 = $57,500.</p>\r\n <p>The payment process for a merchant cash advance is automatic. The lender receives a portion of the business's credit card sales on a daily basis until the advance is repaid in full. The length of time it takes to repay the advance depends on the business's daily credit card sales.</p>\r\n <h2>Pros of a Merchant Cash Advance</h2>\r\n <p>Merchant cash advance provides several advantages to businesses in need of quick funding. Firstly, the approval process for a merchant cash advance is typically faster than that of traditional loans, with approvals often granted in a matter of days rather than weeks or months. Additionally, unlike traditional loans that require collateral, merchant cash advances do not require businesses to put up any assets to secure the advance, making it a less risky option for those who may not have valuable assets to offer.</p>\r\n <p>Another benefit of a merchant cash advance is the flexible repayment options. Repayments are based on the business's daily credit card sales, meaning the repayment amount will fluctuate based on the volume of sales. This provides some leeway for businesses with fluctuating sales volumes, as they will not be locked into a set repayment amount each month.</p>\r\n <p>Merchant cash advance is also available to businesses with poor credit. This is because the lender is primarily interested in the business's credit card sales history, rather than their credit score. This makes it a viable option for businesses that may have been turned down for traditional loans due to poor creditworthiness.</p>\r\n <h2>Cons of a Merchant Cash Advance</h2>\r\n <p>While merchant cash advances have several benefits, they also come with some drawbacks that businesses should be aware of before deciding to pursue this type of financing. One significant disadvantage of merchant cash advances is the high fees associated with them. The retrieval rate can range from 1.1 to 1.5, which means that the business will have to pay back more than the amount of the advance. This can add up quickly and become a significant financial burden on the business.</p>\r\n <p>Another disadvantage of merchant cash advances is the short repayment period. The repayment period can range from 3 months to 18 months, depending on the lender. This can put pressure on businesses to generate enough revenue to make the payments, potentially causing financial strain if sales are slow.</p>\r\n <p>Additionally, if a business relies too heavily on merchant cash advances, they can become trapped in a cycle of debt. This can lead to financial instability and bankruptcy. The accumulation of <a href="https://attorney-newyork.com/debt-relief-services/merchant-cash-advance/" target="_blank" rel="noopener">merchant cash advance debt</a> can quickly spiral out of control due to the high fees and interest rates often associated with these advances. This exacerbates the financial burden on businesses, especially those experiencing fluctuating or unpredictable income. This is why it's crucial for businesses to carefully consider their options and weigh the pros and cons before deciding to pursue this type of financing.</p>\r\n <p>Merchant cash advances are not regulated in the same way as traditional loans. This lack of regulation means that businesses may be subject to unfair lending practices, high fees, and predatory lending. It is important for businesses to research potential lenders thoroughly and ensure that they are reputable and transparent in their lending practices.</p>\r\n <h2>Conclusion</h2>\r\n <p><img src="/images/jch-optimize/ng/images_articles_global-economy_5__Marketing__Automation__Ideas__for__Small__Businesses.webp" alt="5 Marketing Automation Ideas for Small Businesses" width="600" height="400" /></p>\r\n <p>Merchant cash advances can be a useful tool for businesses that need quick access to cash. However, they come with high fees and a short repayment period,</p>\r\n <p>which can be a burden on businesses with already tight cash flow. Additionally, there is a risk of becoming trapped in a cycle of debt if businesses rely too heavily on merchant cash advances.</p>\r\n <p>Therefore, it is important for businesses to carefully consider their options and weigh the pros and cons before deciding whether to pursue a merchant cash advance. Businesses should also research potential lenders to ensure that they are reputable and transparent in their lending practices.</p>\r\n <p>It is also worth noting that there are alternative financing options available to businesses, such as traditional loans, lines of credit, and invoice factoring. Each of these options comes with its own set of pros and cons, and businesses should carefully consider which option is best suited for their needs.</p>\r\n <p>In conclusion, while merchant cash advances can be a quick and easy source of<a href="financial/how-to-secure-funding-for-a-new-business-idea" target="_blank" rel="noopener"> funding for businesses</a> in need, they are not without their drawbacks. As with any financial decision, businesses should carefully evaluate their options and consider the long-term implications before moving forward with a merchant cash advance.</p> """ -user: Proxies\__CG__\App\Entity\User {#1092 …} -createdAt: DateTime @1678883644 {#1145 : 2023-03-15 12:34:04.0 UTC (+00:00) } -updatedAt: DateTime @1705620229 {#1150 : 2024-01-18 23:23:49.0 UTC (+00:00) } -deletedAt: null -category: App\Entity\Category {#445 …} -status: "published" -imageCard: Proxies\__CG__\App\Entity\File {#1184 …} -ImageHeader: Proxies\__CG__\App\Entity\File {#1184 …} -featured: false -mainView: false -clicks: 770 -comments: Doctrine\ORM\PersistentCollection {#1125 …} -reviewed_at: DateTime @1678883644 {#1148 : 2023-03-15 12:34:04.0 UTC (+00:00) } -metakey: "Merchant Cash Advance - All You Need to Know" -metadesc: "Merchant Cash Advance is\u{A0}an attractive option for small businesses that have a poor credit history or are unable to qualify for a traditional bank loan." -robots: null -publishedAt: DateTime @1678883644 {#1147 : 2023-03-15 12:34:04.0 UTC (+00:00) } -canonical: null -superTag: null } |
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