Credit card factoring is a kind of financing that turns your bank card receivables into up-front funds. Although there will be some confusion surrounding the definition of, credit card factoring is exactly the same thing as a merchant cash loan. A business cash loan is not structured like a loan but, like receivables factoring, is surely an advance. Instead of your advance against accounts, credit card factoring providers offer companies a lump sum payment in return for a talk about of future credit card receipts.