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Photo Credit: plantoo47

A merchant cash advance is a financial tool that is vastly underutilized by many business people. For those companies with a dependable record of sales, there is no need to take out a loan on new credit, even in the face of a large, short term emergency. A merchant cash advance gives a business the opportunity to readjust a cash flow to fit the volatile times that we live in.

The Particulars of a Merchant Cash Advance
A merchant cash advance is based on the ability of a business to pay off a loan in the present from credit card sales in the future. In order to qualify for a merchant cash advance, a financial lender will assess the amount of credit that a business has and that it needs for its goals.

The financial lender will come up with an approval amount based on those findings.

The lender will then forward that approval amount in cash to the business for use in the present. The business will be responsible for paying back the loan from credit and debit card sales in the future.

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Quick recap on our line of credit program.

• Automatic Approval for additional funding every 30 days.
• No more waiting until merchant is 40% paid down
• Commissions paid each time the merchant is funded
• We can customize this for any merchants needs

Scenario – Merchant is approved for $30,000 with a line of credit which will fund him 30, 60 and 90 days from initial funding $3500.00.

Record set this week – funded additional capital within 10 minutes of receiving signed documents.

Commissions, as always, paid at the time of the funding because…we love our ISO’s!

Photo Credit: N A I T

As a small business owner, finding the right type of financing for expansion or equipment is paramount to the long-term success of your business. This is especially true in the medical field. With the rapid advancement of technology, medical and dental equipment can become obsolete in a relatively short period of time; therefore, it is imperative to have access to the funding that you will need to acquire the necessary equipment to ensure the success of your business.

The Primary Options Available
While there are multitudinous options available to secure funding, a small business loan and a business line of credit are the two most-viable options; however, there are some things that you should consider before making a decision on which method is best for you and your company.

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Photo Credit: Giuseppe Milo

All businesses, whether they are large or small, have one thing in common. They all need working capital to survive. Working capital is funding that keeps the businesses running even during tough times or start-up periods. A business owner can use capital for a wide variety of business-related purposes. He or she may use capital to purchase updated equipment and technology to increase customer service efforts. The business owner may use capital to make sure that employees are paid on time without complications. Additionally, the business owner may need to enter into partnerships with other businesses to acquire specialty services. Working capital consists of the funds that make completing those tasks possible.

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Photo Credit: Simon Cunningham

There may come a time when a merchant needs to expand or upgrade their business. The customer base has increased or they need to improve their technology to remain competitive. The merchant may not have a a large amount of funds available to make such a substantial investment. The regular cash flow will enable them to take a cash advance to meet their needs. They can obtain a merchant cash advance. According to an article in Businessweek, growth in the merchant cash advance industry is expected to exceed $10 billion annually.

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He who passively accepts evil is as much involved in it as he who helps to perpetrate it. He who accepts evil without protesting against it is really cooperating with it.
Martin Luther King, Jr.

Dr. Martin Luther King JR. Day is on January 20th. We must all try and emulate the honorable manner in which this man lived. He knew first hand that inequality was the quicksand that would bring down our country. Instead of resorting to violence and killing innocents – he stood up with dignity and changed the world through words, peaceful actions and a sense of responsibility that is sorely needed around the world.

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Some of our recent successes have been shared with ISO partners who not only partnered up by choosing wisely on which submissions to bring to the table; but also invested in their merchants future business receipts by syndicating with us. 

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The temperature dropped and a pipe burst right by the check-out counter in your retail store. Its 10 days until Christmas and this is your “make or break week.” You call the banks for help since you have spent the majority of your money on investing in new products to sell. Your bank says it will take at least 3 weeks to get any response. But “Please come on in and we can spend some time discussing it.”

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