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Merchant Cash Advances Jobs (NOW HIRING)

Walmart

Counsel-Marketplace Payments

Springdale, AR · On-site

$110K - $220K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

This role will support the development and expansion of Marketplace financial services and payments capabilities, including sales-based financing (merchant cash advances), third-party financing ...

Coastal Debt Resolve

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Outbound Call Center Representative

Fort Lauderdale, FL · On-site

$60K - $80K/yr

  • Medical

  • Dental

  • Vision

  • PTO

Coastal Debt Resolve is a leading debt settlement company specializing in assisting businesses struggling with Merchant Cash Advances (MCAs). We understand the unique financial challenges these ...

Simply Capital Source Inc

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Account Executive- B2B Funding

Brooklyn, NY · On-site

$72K - $240K/yr

Merchant Cash Advances * Small Business Loans * Lines of Credit * Term Loans * Equipment Financing * Commercial Real Estate Loans * DSCR Loans Responsibilities include: * Respond to and convert ...

Simply Capital Source Inc

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Account Executive- B2B Funding

Brooklyn, NY · On-site

$72K - $240K/yr

Merchant Cash Advances * Small Business Loans * Lines of Credit * Term Loans * Equipment Financing * Commercial Real Estate Loans * DSCR Loans Responsibilities include: * Respond to and convert ...

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Merchant Cash Advances information

What is the difference between Merchant Cash Advances vs Business Loan Officers?

AspectMerchant Cash AdvancesBusiness Loan Officers
CredentialsMinimal; often no formal certification neededTypically require banking or finance certifications
Work EnvironmentFast-paced, sales-driven, often in financial servicesOffice-based, client meetings, financial analysis
Industry UsageUsed by small businesses seeking quick fundingFacilitate business loans, assess creditworthiness
Comparison FocusFunding options for businessesLoan assessment and approval

Merchant Cash Advances and Business Loan Officers serve different roles in business financing. While merchant cash advances provide quick funding based on future sales, business loan officers evaluate and approve traditional loans. Understanding these differences helps businesses choose the right financial solution.

What is a merchant cash advance?

Merchant Cash Advances (MCAs) are a type of financing where a business receives a lump sum of cash in exchange for a percentage of its future credit card sales or daily bank deposits. Unlike traditional loans, MCAs do not require fixed monthly payments; instead, repayments are made automatically as a portion of daily sales, making them flexible for businesses with fluctuating revenues. MCAs are popular among small businesses that need quick access to capital but may not qualify for conventional loans. However, they often come with higher fees and costs compared to traditional financing options. It's important for businesses to carefully review the terms before accepting a merchant cash advance.

What are common challenges faced by professionals working in merchant cash advances?

Professionals in Merchant Cash Advances often face challenges such as evaluating the creditworthiness of clients with limited financial documentation, managing high client expectations for quick funding, and navigating regulatory changes. Successful team members develop strong analytical skills and maintain clear communication with clients to set realistic timelines and terms. Additionally, staying updated on industry regulations and fostering collaborative relationships with underwriting and legal teams can help address these challenges effectively.

What skills and qualifications are needed to work in merchant cash advances?

To thrive as a Merchant Cash Advance Specialist, you need a solid understanding of financial products, sales acumen, and experience in business lending or finance. Familiarity with CRM systems, underwriting software, and financial analysis tools is commonly required, along with any relevant financial certifications. Strong interpersonal skills, negotiation abilities, and persistence help build relationships with clients and close deals. These competencies ensure effective assessment of business needs, successful transaction processing, and long-term client satisfaction in a competitive financial services environment.
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Infographic showing various Merchant Cash Advances job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 75% In-person, and 25% Remote job distribution.

Counsel-Marketplace Payments

Walmart

Springdale, AR • On-site

$110K - $220K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 13 days ago

Walmart rating

6.0

Company rating: 6.0 out of 10

Based on 22,412 frontline employees who took The Breakroom Quiz

25th of 39 rated national retailers

Job description

Position Summary...Walmart is seeking a dynamic, business-forward, and collaborative attorney to serve as Counsel – Marketplace Payments within the Financial Services Legal team. Walmart Marketplace is a high-growth, strategic eCommerce business that enables third-party sellers to seamlessly reach Walmart’s massive global customer base and dramatically expand assortment while delivering a best-in-class shopping experience.
This role will support the development and expansion of Marketplace financial services and payments capabilities, including sales-based financing (merchant cash advances), third-party financing programs, billing and credit risk product development, secured transactions, international payments processing, and a broad range of other payment-related initiatives. The role will be located at our Home Office in Bentonville, AR, or the Walmart E-Commerce Offices in Sunnyvale, CA or San Bruno, CA.
The position requires strong regulatory experience, excellent judgment, a self-starting attitude, and the ability to partner effectively with product, engineering, compliance, finance, operations, and leadership teams. The ideal candidate will bring a proven track record of cross-functional collaboration in a fast-paced, high-volume environment. What you'll do...
  • Provide frontline legal support for financial services activities and products made available to Sellers, including sales-based financing (merchant cash advances) and commercial lending products as well as domestic and cross-border payments platforms and settlement processes.
  • Counsel teams on U.S. and international money remittance and transmission laws, NACHA and card network rules, AML/CTF rules, OFAC/sanctions requirements, and other payments regulatory issues.
  • Draft, review, and negotiate agreements with capital providers and sponsor banks, payments processors, and other payment infrastructure or commercial-finance partners.
  • Partner with Product and Engineering teams to incorporate legal, regulatory, and risk considerations into product development, operational design, and platform mechanics.
  • Support commercial and operational planning related to liability frameworks, returns and chargebacks, collections and advance-recovery strategies, and risk controls.
  • Collaborate with technology teams to evaluate and advise on agentic marketplace e-commerce initiatives, including the integration of AI agents in payment platforms, credential tokenization, digital wallets, data management and sharing, and the identification and mitigation of associated risks.
  • Develop guidance documents, playbooks, and policies to support Marketplace payments operations, financing programs, and compliance framework rollout.
  • Collaborate cross-functionally with Compliance, Ethics, Privacy, Finance/Treasury, Risk, Technology, and other groups to support product launches, seller financing programs, and internal training for the Marketplace ecosystem.
  • Engage and manage outside counsel for specialized regulatory matters, licensing, commercial finance regulatory issues, and other complex legal issues.
What You'll Bring: Minimum Qualifications:
  • Juris Doctor (J.D.) from an accredited law school; licensed and in good standing in at least one U.S. jurisdiction.
  • 4+ years of legal practice experience focused in commercial banking law, payments processing, fintech/financial services, or lending/advance products.
  • Strong understanding of U.S. payments regulations, lending and loan brokering laws, AML/CTF, NACHA regulations and credit card network rules, deposit-taking, and commercial finance regulatory frameworks.
  • Demonstrated experience negotiating and drafting complex commercial agreements, and managing complex legal matters across multiple jurisdictions.
At Walmart, we offer competitive pay as well as performance-based bonus awards and other great benefits for a happier mind, body, and wallet. Health benefits include medical, vision and dental coverage. Financial benefits include 401(k), stock purchase and company-paid life insurance. Paid time off benefits include PTO (including sick leave), parental leave, family care leave, bereavement, jury duty, and voting. Other benefits include short-term and long-term disability, company discounts, Military Leave Pay, adoption and surrogacy expense reimbursement, and more. You will also receive PTO and/or PPTO that can be used for vacation, sick leave, holidays, or other purposes. The amount you receive depends on your job classification and length of employment. It will meet or exceed the requirements of paid sick leave laws, where applicable. For information about PTO, see https://one.walmart.com/notices. Live Better U is a Walmart-paid education benefit program for full-time and part-time associates in Walmart and Sam's Club facilities. Programs range from high school completion to bachelor's degrees, including English Language Learning and short-form certificates. Tuition, books, and fees are completely paid for by Walmart.
Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to a specific plan or program terms.
For information about benefits and eligibility, see One.Walmart.
The annual salary range for this position is $110,000.00 - $220,000.00 Additional compensation includes annual or quarterly performance bonuses. Additional compensation for certain positions may also include :
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Minimum Qualifications...

Outlined below are the required minimum qualifications for this position. If none are listed, there are no minimum qualifications.

Law degree from an accredited law school and 4 years’ experience in law.
License to practice law in at least one state. Preferred Qualifications...

Outlined below are the optional preferred qualifications for this position. If none are listed, there are no preferred qualifications.

Leading cross-functional teams Primary Location... 811 Excellence, Bentonville, AR 72716, United States of America Walmart and its subsidiaries are committed to maintaining a drug-free workplace and has a no tolerance policy regarding the use of illegal drugs and alcohol on the job. This policy applies to all employees and aims to create a safe and productive work environment.

What Walmart employees say

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About Walmart

Sourced by ZipRecruiter

From our humble beginnings as a small discount retailer in Rogers, Ark., Walmart has opened thousands of stores in the U.S. and expanded internationally. Through innovation, we're creating a seamless experience to let customers shop anytime and anywhere online and in stores. We are creating opportunities and bringing value to customers and communities around the globe. Walmart operates approximately 10,500 stores and clubs in 19 countries and eCommerce websites. We employ 2.1 million associates around the world — nearly 1.6 million in the U.S. alone.

Industry

Retail and transportation and warehousing

Company size

10,000+ Employees

Headquarters location

Bentonville, AR, US

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