If you no longer have future credit card sales and your business is closed, you are not responsible for paying back any remaining balance of a business or merchant cash advance as know future cash flow exists. If the company were ever to re-open and sales or credit card transactions resume the company would be responsible to complete the repayment. there is no personal guarantee, just a business performance guarantee. If there is some type of fraud detected then the funding company does have rights reserved to recoup capital funded.