Anybody desperate enough to consider telemarketed merchant cash advances (MCAs) should look into them very carefully first. The contracts often have stipulations that allow them to draw money from your bank account at will, penalty interest rates that jump up 400% APR, have been known to use mafia enforcers to violently extract payments, and the list goes on. There was a more perfect union video (titled something about texting back a loan shark) with a bracing, if sensationalized, look at some of the worst ones.