hay-cash.com

What It Is

Hay Cash is a “sales advance” financing service for merchants in Mexico, designed to help businesses with stable card terminal (TPV) transaction volume quickly obtain working capital. According to the website, merchants need average monthly card terminal sales of at least 200,000 MXN, and may receive an advance of up to roughly 2x their monthly sales, with funds disbursed within 24 hours after approval.

Core Capabilities and Payment Dimensions

Its repayment model is not a traditional fixed monthly installment plan. Instead, repayments are made as a fixed percentage of future sales through a Terminal Punto de Venta, making it closer to a merchant cash advance model. In terms of supported payment methods, the available content only clearly refers to card-based TPV sales; it does not disclose card networks, wallets, bank transfers, or online payment capabilities. The risk control process includes a pre-qualification questionnaire, receiving an offer, submitting additional documentation, approval, and contract signing. Merchants can monitor repayments in real time, but the site does not disclose details on KYC, anti-fraud models, or acquiring partners. There is also no public information on APIs or system integrations.

Pricing and Costs

The website mentions an “origination commission” and a “broker commission,” and includes fields for a financing simulator, but the captured content does not show specific rates, terms, effective annual costs, or early repayment rules. As a result, the true cost of capital is not sufficiently transparent. Before applying, merchants should request the total repayment amount, deduction percentage, service fees, broker commissions, and default terms.

Pros and Cons

The advantages are a digital application process, fast funding, and repayments tied to sales, making it suitable for merchants with seasonal cash flow patterns. Use of funds is also relatively flexible, including opening new branches, renovations, inventory purchases, and fixed assets. The drawbacks are its relatively high entry threshold, requiring at least 200,000 MXN in average monthly card transaction volume, while licensing compliance, pricing, partner institutions, and technical interfaces are not fully disclosed. It is not a good fit for companies that need highly transparent financing costs or online cross-border payment collection capabilities.

Who It’s For and Access from China

Hay Cash is better suited to brick-and-mortar merchants operating in Mexico with stable POS card transaction volume and an urgent need for short-term working capital. For Chinese companies, unless they have local sales and TPV transaction volume in Mexico, the fit is limited. Access from mainland China cannot be determined from the available content and is marked as unknown. Alternatives may include local bank business loans, financing from acquiring institutions, POS loans, or other merchant cash advance products in Mexico.