What is a Merchant Cash Advance?
Funds received through a merchant cash advance is not a loan, it is a cash advance paid to you based on your future Visa and MasterCard merchant account sales.   Rather than using your personal credit, personal collateral or personal guarantor to get a small business loan, you can sell your future credit card receivables at a discounted price and receive a “cash advance”. This is pretty much similar to invoice factoring, except in this case your future credit card receivables are factored rather than the business-to-business invoices.

A merchant cash advance gets repaid through your future Visa and MasterCard sales. Other payments from your sales you receive through cash, check or other cards are left with you and only the Visa and MasterCard sales are used for repayment. There are no fixed payment schedules for business cash advance.  This is a great benefit unlike a loan which requires a fixed monthly payment.   Because your cash advance gets repaid as a percentage of your future Visa and MasterCard sales, your cash flow is protected.  It gets repaid automatically when you process a Visa or MasterCard sale by taking a percentage of these Visa and MasterCard proceeds to repay the advance.

• May be tax deductible
• Cash Advances are generally not reported as an outstanding obligation on your credit.

What are the advantages of a merchant cash advance?
Looking for a business loan?  Then you’ll love our Merchant Cash Advance.
The biggest advantage a merchant cash advance offers to the businessmen is that they are not personally liable to repay a small business cash advance. Most retail store front and small business accepts credit cards as a form of payment. Rather than using the personal credit, personal collateral or personal guarantor to get a small business cash advance the owner can sell his future credit card receivables at a discounted price to the cash advance business companies. This is pretty much similar to factoring, except in this case your credit card receivables are factored rather than the business-to-business invoices.

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’d don’t require a personal guarantee and the cash advance does not show up as an outstanding loan or obligation on your personal credit!

• No Closing Costs
• No Application of start-up fees
• 95% approval rate
• No collateral
• Not personally liable
• A-B credit not required
• No application or start up fees
• No hidden fees
• Fast approval. Get cash in as little as 72 hours wired directly to your bank account!
• No financial/tax returns required
• Lower rates on credit card processing. Save Money.
• No fixed repayment schedule. We only get paid when you get paid.
• Quick application. Takes 7 minutes!

Finally…an alternative to traditional bank loans.
What are the differences between traditional bank loans and a Merchant Cash Advance? 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. Not to mention you have to personally guarantee the loan. Moreover, you will have to follow a strict monthly schedule of repayment irrespective of your monthly business revenue flow. Also for loans, it is very difficult to get when you need it the most, rather when you are in an affluent state the banks are more likely to offer a loan. Bankers focus on past credit history to determine the loan repayment program and assurance of the set monthly repayment is their prime concern while approving a loan.

Merchant Cash Advances also make cash flow easier on your business since the advance is only repaid when you have sales to process. Unlike traditional loans that require a fixed monthly repayment schedule which can put strain on your company’s cash flow.

• No fixed repayment schedule. No coupon books to remember.
• Use the cash in any way you choose!
  
  The business is free to use the funds received in the form of a cash advance for whatever purpose they see fit, however, in case of a loan, the lender often dictates the purpose for which the company can use the funds. So, a business cash advance is no way similar to a small business loan.

Understanding the Terminology
Business cash advance is one of the most easiest and popular methods for small business financing today. The Cash advance business has been around for many years but gained the popularity and exposure in the last few years.

You might 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
• Cash Advance

When working with Merchant Advisors we’ll use the term Merchant Cash Advance and Business Cash Advance to mean the same.
Other type of financing options that are not the same as a merchant cash advance:

• Receivables Factoring
• Business Loan
• Bank lines of Credit

Our pledge to you:
We guarantee to get you the most cash at the best possible terms that meet your business needs.  We’ll work fast to get the funds into your account so you can meet your obligations in a timely manner.  We take your business as seriously as you do. Get started today.