What is a Business Cash Advance?

Turn your future credit card sales into cash. A business cash advanceknown also as a merchant cash advance involves you receiving cash for selling a small portion of your future Visa- and MasterCard- receipts. It's that simple.   Convert credit card receivables into capital. The business cash advance is established when a merchant sells an agreed upon percentage of future Visa and Master Card merchant account receivables in order to gain needed capital.   Cash advance is similar to factoring-except no business invoices. 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.

This is how your Business Cash Advance is repaid

Your business cash advance is repaid automatically by deducting a daily percentage of your future credit card sales. (No coupon books or fixed monthly payments to worry about) Example: You process $1000.00 in total Visa/MasterCard/American Express/Discover transactions on Monday We deduct 15% (or $150.00) from the total amount of Monday's sales. The net proceeds of $850.00 are deposited to your business checking account on Wednesday. We provide a monthly statement showing the remaining balance left to repay on your advance. It-s that simple. All revenue your company receives via check and cash remain protected cash flow as we only use your total credit card proceeds to repay the advance.

How it works for your business

Once the cash advance is in your hands, your business can create much needed revenue in the following ways:   Utilize advertising Expand to other locations Complete needed renovations Build inventory Purchase vital equipment Bolster working capital

Advantages of cash advance

May be tax deductible Cash Advances are not reported credit reports. No Application of start-up or hidden fees 95% approval rate No collateral Not personally liable A-B credit not required Get cash in 72 hours wired directly to your bank account No financial/tax returns required Lower rates on credit card processing. No fixed repayment schedule. Quick application. Takes 7 minutes!

What's the differences between a bank loan and a Merchant Cash Advance?

Loan Requirements & time A typical business loan requires a written loan proposal, business and personal financials and is time consuming and very restrictive. If approved, it takes weeks through traditional bank lenders.   Loans & Personal Guarantee The borrower must personally guarantee the loan. Moreover, a strict monthly payment schedule is adhered to regardless of monthly revenue.   Loans & Credit History Loans are also very difficult to secure when they are needed most because a borrower is a greater financial risk liability to the lending institution.   Bankers focus on past credit history to determine a fixed loan repayment program which is of paramount interest while approving a loan.   Cash Advance: No fixed monthly payments Merchant Cash Advances introduce minimal cost for your business while immediately increasing profits since the advance is only repaid when you process credit card sales.   Whereas, traditional loans require fixed monthly repayments that restrict your company's cash flow.   Cash Advance: Spending is your choice The business is free to use the funds received in the form of a cash advance for whatever needed purpose.   With a loan, the lender often dictates the purpose for which the company can use the funds, which would hinder your company-s growth potential.

How We Fund You

We've provided millions of dollar in Small Business Funding to merchants all across the country. We do it day in-day out.   However we know this may be your first experience with getting a Business Cash Advance. That's why we've taken the time to explain how the funding process works.

How does the application and approval process work?

Step 1: Fax your application with requested documents Step 2: Email notification your application was received Step 3: Advisor contact within 24 hours, review terms Step 4: You approve final terms of the advance & simple account setup. Step 5: Your cash is wired to your business bank account in 72 hours. Remember, there is no obligation to find out how much cash you qualify for. Completing our application process does not bind you in any way to accept a cash advance.

Business Cash Advance - Do You Qualify?

To Qualify for a Merchant Account Business Cash Advance: You have been in your current business at least (6) months. Your business accepts Visa and MasterCard. You process a minimum of $5,000 per month in Visa and MasterCard receipts. You can provide 4 months of credit card statements. You can provide 12 months of credit card processing statements (if your business is seasonal). You are not a start up merchant.

Not sure if you meet these requirements?

Call us now or complete our no obligation online inquiry. One of our dedicated financial advisors will talk with you to determine what funding solution best fits your needs.   With our broad range of funding programs we’ll shape a plan that gets you what you need, at the lowest allowable cost, and on time.   There is no single funding product that meets all needs. That’s why we offer access to a variety of lending vehicles.   If your business funding needs fall outside our Merchant Account Advance criteria, the following funding solutions might better meet your needs.

Alternative Funding Solutions:

Fast Business Loan Business Lines of Credit

Why Choose Us?

Merchant Advisors will work with you to understand your needs and propose the best financial solution, even if it’s not with our company. Yes, providing you the best solution is more important than where it’s found.   We'll provide the most favorable funding options up front. This way you can spend less time searching for business finances and more time growing your business.   Honesty is just one of the advantages when you work with Merchant Advisors. Below are more significant and unique advantages that only we can deliver to you.

Unique Advantages

We guarantee to get you approved for more cash at the lowest cost of funds.  We offer the longest payback period in the industry. 12 months.  Lowest daily payback terms & lowest cost of funds. Easier on your daily cash flow.  Business Cash Advance rates as low as 1.20  Full disclosure of all fees and terms so you can be sure the decision for a Business Cash Advance is the right one for your business. No collateral, No personal guaranty and no financials needed!  When the bank says no, we say yes.  We offer funding programs that are not tied to your credit score but to your industry.  We offer multiple Business Cash Advance solutions as well as non traditional loans which means we'll get you approved for the most cash at the best possible terms for your business. Dedicated Advisor assigned to your account.  99% of our applicants get approved for terms that fit their budget & cash requirements.  Cash advances for merchants only 6 months in business.  Merchant Advisors is nationally recognized as one of the largest providers of Business Cash Advances.  We'll quickly fund from $5000 to $1 million to your business within 5 days.  Quick turn around. 24 hour approval with no obligation.  Multiple funding solutions. We fight for every deal to get you the terms you need at the rates you can afford.  One point of contact for all your business financing & payment processing needs.  Guaranteed savings on your current processing. Can help offset the fees for cash advance.  No collateral, No personal guaranty and no financials needed.  Monthly statements for account reconciliation. Easier for your accounting.  We'll look at all your card types as well as CHECK & CASH SALES. No other provider takes ALL your sales into consideration in order to get you the most cash.  You'll have a dedicated advisor for the life of your account. Someone that understands your needs.  Fund POS equipment for new restaurants. Save money. Don't lease.  2nd position on existing loans.  Over 90% renewals from existing customers. Happy customers stay with us long-term. Education. We evaluate the best options for your informed choice. Millions funded nationwide.

Our Challenge to You

We-re confident we have the most aggressive program in the marketplace for your business cash advance needs. * This promotion is being offered and managed by Merchant Advisors

We'll get you:

Approved for the most funds The fastest turn around Best rates in the industry Longest payback plan We-re betting $250 on it. We'll beat any competitive offer, or we'll pay you. Can anyone else make that offer? There's no obligation and no cost to apply.

Work directly with one company for all your financing and payment processing needs:

Business Cash Advances Business Loans Merchant Services Gift & Loyalty Card Services Check Guarantee & Check Conversion services ACH processing (Accept Checks by Phone/Web) Free processing terminals/hardware for qualified merchants.