Business Cash Advance

Turn your future credit card sales into immediate cash with a Business Cash Advance.

• 7% payback* over 12 months.  Easier on daily cash flow.
• Get approved in 24 hours
• NO closing costs, NO points, NO application fees
• NO obligation to find out how much cash you qualify for
• Does not show as a debt on your credit report
• May be tax deductible!
• Poor credit is no problem
• No personal guarantee - No collateral required
• We quickly fund businesses from $5000 up to $1 million dollars
• No financials required
• 95% approval rate

We've funded millions nationwide. Let us help you get the cash you need without the hassle.

What is a Business Cash Advance?

A business cash advance known also as a merchant cash advance allows you to receive cash in exchange for the purchase of a small portion of your future Visa- and MasterCard- receipts.

Once approved, your cash advance will be deposited into your business checking account giving you immediate access to needed funds.

If traditional bank loans are not an option then a business cash advance from Merchant Advisors may be the perfect alternative for you. More-

Why Choose Us?

• 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. Easier on your daily cash flow.
• 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.
• More-

Helpful Links:

Some recent business cash advances we've funded

What you need to qualify for a business cash advance

Testimonials

We’re confident we have the most aggressive program in the marketplace for your business cash advance needs. Let us show you what we can do.

* This promotion is being offered and managed by Merchant Advisors

Merchant Cash Advance

How does the Merchant cash advance work for you? A Merchant cash advance (also known as a business cash advance) allows you to receive cash in exchange for the purchase of a small portion of your future Visa® and MasterCard® receipts at a discount. We get paid when you do. It’s that easy.

We can give you the ideal funding that will fill unexpected dips in revenue and even help bolster your profits. What can do this? Our Merchant cash advance. We have a quick application process; we require no collateral, application fees or closing costs.

With a Merchant Cash Advance, you’ll immediately unlock cash flow for whatever your business might need: inventory, expansion, advertising, remodeling, or anything else that your business needs.

Remember, with Merchant Advisors, there is no off-season.

Merchant Cash Advance Advantages:

• 7% payback* over 12 months.  Easier on daily cash flow.
• 95% approval rate.
• Approvals in 24 hours.
• Quick application – takes only 7 minutes.
• Cash wired directly to your bank in as little as 5 business days.
• No closing costs and no hidden fees.
• No fixed repayment schedule.
• Save money with lower rates on your credit card processing.
• No collateral.
• No personal liability.
• A-B credit is not required.
• No financial or tax returns required.
• Doesn’t show as a debt or loan on your credit report.
• May be tax deductible (ask your tax professional).

Approval requirements for the Merchant Cash Advance:

1. You have been in your current business at least (6) months.

2. Your business currently accepts Visa and MasterCard.

3. You process a minimum of $5,000 per month in Visa or MasterCard receipts.

4. You can provide 4 months of credit card processing statements.

Not sure if you meet these requirements?

We’re ready to help you. Call us now or complete our no obligation online inquiry. One of our dedicated 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 solution that meets all needs. That’s why we offer access to a variety of funding vehicles.

If your business needs fall outside our Merchant Cash Advance criteria, the following funding solutions might better meet your financial needs:

Alternative Funding Solutions:

Fast Business Loans
Invoice Factoring

What is a Business Cash Advance?

Turn your future credit card sales into cash.
A business cash advance known 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:

1. You process $1000.00 in total Visa/MasterCard/American Express/Discover transactions on Monday

2. We deduct 15% (or $150.00) from the total amount of Monday's sales.

3. The net proceeds of $850.00 are deposited to your business checking account on Wednesday.

4. 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 are the differences between traditional bank loans 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.

For a side-by-side comparison between traditional loans and our business cash advance, click here

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.

Let us fill in the missing pieces of the puzzle.

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.

Common questions:

• Is there a limitation on how I can use the money?
• Who should I call right now with questions or to apply?
• Do I have to get a new credit card terminal?
• Do I have to switch my credit card processor?
• Can the advance be renewed?
• I have high enough overall sales, but my VISA/MC volume is very low. Is there any way I could receive funding?
• Is it going to cost me to apply?
• Can I receive financing from Merchant Advisors while the financing from another company is still outstanding?
• I am already with another financing company providing similar financing. Does that mean I will get approved by Merchant Advisors?
• How complicated is the paperwork?
• When I have repaid my first Business Cash Advance, How easy is it to apply again?
• Is this a loan?
• How will I pay back the Business Cash Advance?
• How much of a Business Cash Advance can I receive?
• How fast can I get a Business Cash Advance?
• Will bad credit affect my Business Cash Advance request?
• Is there a fee for providing a Business Cash Advance?
• How much will a Business Cash Advance cost?
• How does the program work?
• How do I get started?
• How can I speed up my Business Cash Advance approval?
• How easy is it to get approved?
• How I can qualify for a Business Cash Advance?
• I already have a payment gateway but want to set up a merchant account only with Merchant Advisors. Is this ok?

Is there a limitation on how I can use the money?

No.We are not like traditional banks. We do not specify how you must use the working capital.

Who should I call right now with questions or to apply?

Call a Funding Specialist at 1-800-406-6560 or click here to complete our online application.

Do I have to get a new credit card terminal?

Very rarely. All you have to do is re-program your terminal, which takes only 10 minutes and it can be done over the phone. We will take care of this entire conversion process for you so as not to disrupt your processing.

Do I have to switch my current credit card processor?

Yes. You must switch to us to receive funding. We will meet or beat your current credit card processing rates. Most often times, our clients save money on processing when they switch.

Can the advance be renewed?

When the advance balance is down to approximately 20% of the original balance, the borrower can request it. As a matter of fact, most of our customers opt to do just that.

The owner of the business can request a renewal by phone, fax, or e-mail. Renewals are usually funded in less than 24 hours of being requested.

I have high enough overall sales, but my VISA/MC volume is very low. Is there any way I could receive funding?

Yes. The minimum requirement for qualification of the Business Cash Advance program is $5000 of your monthly VISA/MC transactions.

We custom tailor our products to suit our customers' needs all the time. Just ask!  Our other financial products such as our fast business loan might be a better option.  Check out our business loan page for more details.

Is it going to cost me to apply?

No -- the application is free and there are no up-front fees charged to our customers. The sooner you get your application in, the quicker we can get back to you on the amount of monies we will be able to advance you.

Can I receive financing from Merchant Advisors while the financing from another company is still outstanding?

Yes, but we must pay off any outstanding balances on your current advance.  (You receive all remaining proceeds).

I am already with another financing company providing similar financing. Does that mean I will get approved by Merchant Advisors?

Our credit underwriting standard is slightly higher than that of similar companies; however, approximately 95% of our competitors' customers who applied for our funding have been accepted. The only sure way to find out is by submitting an application. It doesn’t cost you anything to apply.

How complicated is the paperwork?

The paperwork that you will need to fill out is quite simple and takes no more than ten or fifteen minutes to complete. We have Financial Advisor on hand in our contact center to help you through this process.

When I have repaid my first Business Cash Advance, How easy is it to apply again?

If you have experienced no change in financial status you will be approved automatically.

Is this a loan?

No. This is not a loan. It is a purchase of future receivables. We purchase your future credit card transactions.

How will I pay back the Business Cash Advance?

On a formula calculated based on your cash flow projections, we partner with you to determine your optimal payment. One that will be easy for you to repay.

How much of a Business Cash Advance can I receive?

From $5000 up to $1,000,000. The amount of the funding is based on your monthly Visa/MasterCard sales. Contact a Financial Advisor now. We can give you a quick estimate of what you qualify for right over the phone! No obligation.

How fast can I get a Business Cash Advance?

As fast as 72 hours if relevant documents are provided with your application package.

Will bad credit affect my Business Cash Advance request?

It is not necessary for you to have good credit to receive a Business Cash Advance. A poor credit rating, including delinquencies, will not normally influence a Business Cash Advance. Our approval process is much less stringent than traditional banks

Is there a fee for providing a Business Cash Advance?

No, there are no administration fees.

How much will a Business Cash Advance cost?

Pricing is based on the size of Business Cash Advance, the estimated time of distribution, and various other integral details of the cash advance program. This is explained fully in the Merchant Cash Advance Approval sheet.

How does the program work?

You are advanced up to $1,000,000 based on your current credit card sales.  We seamlessly collect the repayment amount by taking a small percentage from you ongoing Visa/MC receipts. There are no fixed payments and no fixed term time frame. 

How do I get started?

Call a Financial Advisor at 1-800-406-6560.

How can I speed up my Business Cash Advance approval?

You may do the following: Fax Visa/MasterCard processing statements and bank statements. Submit any information you might have omitted from the application and provide documentation to explain all items that may create a questionable credit report. Our fax number is: 1-800-454-4260

How easy is it to get approved?

It is a lot easier and much faster than a typical bank loan. We understand the reality and the hardship of owning and operating a business. As business owners and Advisors, we understand the pressures you’re under.

How I can qualify for a Business Cash Advance?

• Your business currently accepts VISA and MasterCard as a form of payment.
• You process a minimum of $5000 dollars a month in Visa/MasterCard sales.
• You can provide last 4 months credit card processing statements
• You have been in your current business at least (6) months.
• You are not a start up merchant.

I already have a payment gateway but want to set up a merchant account only with Merchant Advisors. Is this ok?

No problem. We support most payment gateways on the market today. If you’re comfortable using a particular gateway or have already integrated another gateway to your eCommerce site we can just provide the merchant services account.

Business Cash Advance - Do You Qualify?

 

To Qualify for a Merchant Account Business Cash Advance:

1. You have been in your current business at least (6) months.

2. Your business accepts Visa and MasterCard.

3. You process a minimum of $5,000 per month in Visa and MasterCard receipts.

4. You can provide 4 months of credit card statements.

5. You can provide 12 months of credit card processing statements (if your business is seasonal).

6. 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 termsyou 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.

Don't take our word for it. See what other satisfied business owners have to say:

Click here to view customer testimonials

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.

Product Comparison Matrix

This matrix will help give you a better idea of how we compare to traditional bank financing. It shows a sample of just a few of the funding options available when you choose Merchant Advisors.

Product Comparison Matrix

	Our Business Cash Advance	Our Fast Business Loan	Our Unsecured Line Of Credit	Traditional Bank Loan
Minimum Personal Credit Score	500	600	650	700
Minimum Funding Amount	$5,000	$100,000	$20,000	n/a
Maximum Funding Amount	$1,000,000	$5,000,000	$350,000	n/a
Minimum Time In Business	4 months	1 Year	2 Years	2 Years
Collateral Required?	No	No	No	YES
Typical Repayment Term	6 – 12 months	6 – 12 months	4-7 years	n/a
Does it show on personal credit as an “outstanding obligation”?	No	Yes	Yes	Yes
Bankruptcy Discharged OK?	Yes	Yes	Yes	No
Existing Merchant Credit Card Processing Sales Required?	Yes	No	No	No
Personal Guarantee Required?	No	Yes	Yes	Yes
Fixed Repayment Schedule?	No-based on cash flow	Yes	Yes