LoanOrCredit schema for MCA offers

schema.org models financing with FinancialProduct and its subtype LoanOrCredit. FinancialProduct carries properties such as annualPercentageRate, interestRate, and feesAndCommissionsSpecification; LoanOrCredit adds amount, loanTerm, loanType, and requiredCollateral. Marked up on an offer page and connected to your Organization as the provider, these tell a search engine or AI system what you offer, in what ranges, and where the full cost terms live.

There is a real nuance for merchant cash advances. Most MCA contracts are written as a purchase of future receivables, not a loan, and that distinction matters legally. Marking an MCA as LoanOrCredit with loanType "Merchant Cash Advance" is common, but if your counsel is careful about never calling the product a loan, use FinancialProduct instead and describe it accurately in the name and description. Markup should say what the page says.

Useful fields either way: a clear name and description, the funding amount range, an estimated APR range that matches your disclosures, a feesAndCommissionsSpecification URL pointing at your cost disclosure page, and provider referencing your Organization entity. Google does not render a rich result for these types, so the value is comprehension and AI citation eligibility, not a SERP feature. Our audit checks that financing pages carry consistent, valid markup that matches the visible terms.