Finally ... a beautiful alternative to traditional bank financing.
The merchant cash advance industry is growing at an astonishing clip.  This growth is because traditional banks are not meeting the needs of small businesses. The merchant cash advance product is unique - it's a purchase of an asset, not a loan.  We provide merchants with a lump sum cash advance up front. In exchange, merchants agree to pay back the advance, by systematically sending an agreed percentage of their credit card sales until their balance is zero. This percentage is based on what the business can afford, and the payback frame is typically 5-12 months.

Getting cash from traditional financing institutions can be difficult for some businesses, particularly retail, restaurant, franchisees or seasonal businesses. These merchants most heavily use credit card processing, so merchant cash advance programs offer a number of benefits.  A typical business loan would require a written loan proposal, business and personal financials and is time consuming and very restrictive.  It could take weeks to get approved, if at all, through traditional bank lenders.  Moreover, you would personally guarantee the loan and will have to follow a strict monthly schedule of repayment irrespective of your monthly business revenue flow. 

The cash is available quicker than it is with traditional loans.  This product appeals especially to retail and restaurant merchants not only because these types of businesses can rarely get traditional funding, but also because of the immediate liquidity a merchant cash advance offers.

Unlike a loan with a fixed rate of interest, amount due and set due date each month, with merchant cash advances the money is paid back as credit card receivables come in.  We work with the business, so it is cash flow friendly, especially during seasonally slow periods.  Traditional loans require a set payment every month, whether the business has made a sale or not.

Because payments are calculated as a percentage of sales, if sales are growing, the amortization could be quicker, but if the proprietor experiences some interruption or downturn in business, the payments will be lower.  In most cases, business owners put up no personal collateral and make no personal guarantee.

If the merchant's business is doing well and sales are up, we would collect the money sooner.  If sales are sluggish, the payback will take longer. Since there is no time limit on paying back the advance, the effective annual rate decreases as the payments are extended over time, although we typically collect the advance in less than a year.

The merchants interested in a program like this may have a distressed credit history. Things like past tax issues, a list of delinquencies, collection matters, liens or judgments would be an automatic red flag for a conventional bank.  The merchant cash advance industry caters to businesses that can't get traditional funding.  There is a risk to cash advance providers, but we use sophisticated models to determine the future likely credit card purchases.  We also offer the cash with relatively short payback periods to help mitigate risk.

Seasonal businesses that need cash to carry them through lean seasons or merchants who have an unexpected downturn in business (say because of road construction, building repairs or extended illness) might find a need for a cash advance until business picks up again.  However, ailing businesses are not the only merchants interested in this kind of program.  Many types of businesses are often underserved by traditional funding institutions.  For example, a particular restaurant could be a very successful business, but a traditional bank wants to see tangible assets.  Perishable foods or used restaurant equipment just won't make the cut, even if that restaurant is packed every night. 

There are many examples of times when owners of healthy small businesses could use cash to help build their businesses but can't get the traditional funding necessary.  These include franchisees who have exhausted their savings to purchase their first franchise and want to open a second one; merchants whose competitors have closed and have the chance to buy their competitor's old inventory or move into a new location; expansions; buyouts; or simply the desire to move quickly on a perceived new opportunity.

Just a sampling of industries we regularly fund:

• Audio / Video Stores
• Auto Repair / After Market
• Barber / Beauty / Salons / Spas
• Bars / Taverns / Liqour Stores
• Bicycle Shops
• Book Stores
• Bowling Lanes 
• Camera Stores
• Car Washes
• Caterers
• Cigar / Tobacco Stores
• Convenience Food Stores
• Copy Shops 
• Drug Stores
• Dry Cleaners
• Florists
• Gas Stations / Mini Marts 
• Gift Stores
• Grocery Stores
• Hobby / Toy  Stores
• Jewelry Stores
• Lodging
• Luggage Stores
• Pet Stores
• Photo Studios
• Restaurants
• Shoe Stores
• Sporting Good Stores
• Video Rental Stores
• Veterinarians

What are the advantages of a merchant cash advance?
Our merchant cash advance business financing solution gives you the working capital you need to grow your business.  Get access to fast cash to take advantage of a business opportunity or for cash flow needs. 

Get immediate cash for inventory purchases, business expansion, remodeling, acquisition, advertising or any other needs you have for your business.  It’s the best alternative to traditional small business loans.  A business cash advance is a creative alternative to taking on equity business partners.  Best of all, we don’t require a personal guarantee, the cash advance does not show up as an outstanding loan or obligation on your personal credit, and the business is free to use the funds for whatever purpose they see fit!!

• No Closing Costs
• No Application or start-up fees
• 95% approval rate
• No collateral
• Not personally liable
• A-B credit not required
• May be tax deductible
• Not reported as an outstanding obligation on your personal or business credit.
• Fast approval.  Get cash in as little as 72 hours wired directly to your bank account!
• No financial/tax returns required
• No fixed repayment schedule.  We only get paid when you get paid.
• Quick application. Takes 7 minutes!

Understanding the Terminology 
Merchant cash advance is one of the easiest and popular methods for small business financing today.  The cash advance business has been around for many years but gained in popularity and exposure during the past few years, and certainly during this period of bank insolvency.

You may come across different terms used to define what this product is such as:

• Merchant Cash Advance
• Credit Card Factoring
• Business Cash Advance
• Working Capital Cash Advance

Our pledge to you, the valued client:
We will work diligently to best meet the terms of your request and business need.  Attention to detail, quick execution, and no red tape.  We take your business as seriously as you do.  Get started today.   

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