Merchant Cash Advances:
Get Approved When Banks Say NO!


Merchant cash advances are capital advancements made in the form of lump sum payments to a business. The business owner promises or agrees to pay a certain percentage of future credit card and/or debit card sales to repay the loan.


There are also merchant companies who will loan even if the business owner doesn't process credit/debit cards. Payments are taken from the business' bank account, usually via ACH.


This loan is made in exchange for a portion of the business' daily credit/debt card or cash sales. A business cash advance company usually subtracts directly from the credit card processor that clears and settles the credit card payment. This daily withdrawal happens until the obligation has been satisfied.



Merchant Cash Advance: Credit Solutions For Business Owners In Today's Tight Credit Market

As banks have tightened their credit guidelines, and are making fewer loans to businesses, business cash advances are becoming more popular. They're also attractive to businesses with no or little collateral, and therefore don't qualify for traditional bank loans.


Or those with a bad credit history. Because these business cash advances are based against future sales, there are no credit/collateral requirements.


Approvals are made on the cash flow and health of the business, instead of credit scores. A business cash advance is made based on leveraging an asset many business owners don't consider: their future credit/debit card receivables, or bank deposits for businesses that don't accept credit cards.


Business Cash Advances: How They Work

To qualify, a business usually has to have a history of processing credit cards for a period of time, usually around five months. There may be a minimum monthly dollar amount of credit card transactions as well.


The payment process is simple and seamless. The credit card processor usually splits the daily credit cards sales between the business and the business cash advance lender, based on the agreed upon percentage.


If your business doesn't accept credit cards, you can still get a merchant cash advance, since they're based on your daily bank deposits. 


Business Cash Advances:
Advantages To The Business Owner

business cash advance

There are many advantages that make cash advances a viable option. Payments are made based on a percentage of the business' daily sales volume, not a fixed amount. This gives the business owner some flexibility with managing cash flow. For example, during slower periods, payments will be lower.


Because payments are debited daily, it also negates the worry over large end of month payments.


Since there are very little, to no credit/collateral requirements, the application process is very simple. Also, application to approval to funding usually takes just a few days.


Repayment terms tend to be shorter as well; typically from 6-18 months.


It should also be noted that since business cash advances don't ask for collateral or personal guarantees, they assume the greater risk. In the event of a business failure, the business cash advance company usually end up taking the loss.



Our Merchant Cash Advance Highlights: 


- Bank ACH or Credit Cards


- 90% Approval Rates

  (for most industries)


- No Collateral Requirements;

  Bad credit is OK


- Funding usually within 3-5 days


- Borrow $5K-$500K in as little

  as 24 hrs


- Fast approvals with

  minimum paperwork


- Streamlined underwriting


- No personal collateral or

  assets to pledge


- No upfront fees


- Available in all 50 states




Requirements:


- Minimum 4 months in business


- Minimum $100K Total Gross Annual Sales


- No open bankruptcies, liens or judgments



If you need a merchant cash advance for your business, fill out our quick form below. We will contact you within 24 hours.



Merchant Cash Advance Application


Complete our quick online application and we will contact you within 24 hours.


Don't worry: your information will always be kept private and not sold.


Merchant Cash Advance -
Working Capital Loan Quick App

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Merchant Cash Advance and

Working Capital Loan Programs

are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


Commercial loans are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,

 Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming



Return Home from Merchant Cash Advances

COMMERCIAL LOAN PROGRAM HIGHLIGHTS


Commercial Real Estate Programs

· Lending Area: Nationwide & International


· Loan Size: $100,000-no maximum


· Rates as low as 3.74%

· up to 90% LTV


APPLY HERE

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Commercial Development & Construction Loans

· National & International


· $2MM-$50MM


· Interest Rate: 5-9% Fixed (1% for churches)


· Amortization: up to 25 years


· Zero fees


· Points: Up to 3%, paid at closing


· Term: 5 yrs; also can structure a construction to permanent loan with interest only during draw down periods.


APPLY HERE

___________________


Hard Money Loans Rates and Criteria:

· Loan Size: $100K-$100MM


· Lending Area: National & International


· Collateral: We lend to mainly on commercial real estate, including raw land and development projects


· Interest Rates: 7-14% (rates depend on collateral)


· Amortization: Interest only


· LTV: Up to 80%

· Origination Fee: 1-4%

· Closing time: 1 week to 30 Days


APPLY HERE

___________________


Bridge Loans

· Loan Size: $1MM-$15MM


· LTV: Up to 75%


· Rate: 5-7%


· Term: 1-3 years, Interest Only


· Property Types: Office, Retail, Industrial, Multi-Family, Manufactured Housing, Condominiums, Self Storage, Special Use, Hospitality, Assisted Living/Congregate


APPLY HERE

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Unsecured Business Lines of Credit

· $25,000-$100,000 (start up businesses with no established revenue and business owner with good credit)


· $100,000-$500,000 (established businesses w/ revenue of $1MM or more; no collateral if good credit and financials)


· 0% intro rates on business credit card solutions, to 1-5% over prime for large credit lines.


· No "subprime" unsecured lines


APPLY HERE

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Click Here To Apply for A Business Cash Advance or Working Capital Loan


Bank ACH or Credit Cards


90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

___________________


Restaurant-Retail, 
Small Business Loan Program


  • · Unsecured Loans up to $1,000,000 per location

  • · No Collateral Required

  • · Minimum Annual Sales: $150,000

  • · Minimum: 550 FICO

  • · Must be in business at least 1 month to document sales

  • · Loan amounts below $150,000 require NO tax returns or financial statements


APPLY HERE

_________________


Customer Finance Programs for Businesses

· Can finance your customers down to a 500 FICO;

can finance your turndowns from your current credit provider


· Instant online credit processing and approval


· E-signature capabilities


· Can purchase or collect bad debt portfolios


· Industries include: Medical, Dental, Jewelry Retail, Furniture, Memberships, Private school tuition, Security/Alarms, Vocational Schools, Travel, etc.


APPLY HERE

________________


Click Here to Apply for

A Private Lender Commercial Loan


- Zero upfront costs, zero fees for approval to our programs.


- Minimum loan amounts: $100K for commercial building projects, with no maximums.


- No pre-payment penalties on programs offered.

_________________


Click Here To Apply for A Merchant Cash Advance or Working Capital Loan


- Bank ACH or Credit Cards


- 90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

_________________________


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