OUR MISSION Our company provides
Non-Traditional funding options for small to mid-size businesses. We specialize
in quality service to each client. We are committed to taking a proactive
approach to finding the best possible funding source to meet your financial
needs. Ensuring that you have access to the capital you desire in a timely
manner under the best rates and terms possible. Providing reliable, dependable
service, to each individual business owner while working to earn your trust for.
No personal guarantee required.
No collateral required
Receive funds typically in 7 business days or less.
No fixed payments
Approvals in 24 to 48 hours.
Up to $500,000 per location
Totally automated retrieval process
No restrictions on the use of the funding
Have you been in business for at least 60 days?
Is your monthly credit card volume at least $5,000?
Are all prior bankruptcies resolved?
Do you have one year remaining on your current retail lease?
Merchant Cash Advance Programs for Business
Our company's cash advance Programs are designed to provide qualified merchants
ready access to capital to be used in increasing or improving their business.
The growth of many businesses is stunted due to the lack of adequate cash to
address critical and immediate needs. We provide the cash needed to fuel
success. An alternative to a small business loan, these funds against all future
credit card sales (Visa, MasterCard, American Express, Discover, etc.) are
typically available within 7 days or less.
Small Business Financing 101 Every day across the country, small business
owners are seeking financing for their businesses - whether it's a restaurant ,
a loan for a manufacturing company or even a local flower shop. Small business
owners need capital for investing, growth, development and even to take care of
the occasional back taxes. But - as a business owner you know that banks aren't
going to just hand over a bag full of cash at your request. Before you even
think about going in to apply for a small business loans, there are few things
that you should have sorted out:
What is the money for? You'll need a plan and purpose for the money - a
bank isn't going to give you a loan without a credible and documented reason.
How much money do you need? Sit down, look at the big picture - figure
out how much money you realistically need to achieve the goal that you're trying
to reach with your loan. Back your requested amount up with hard data - many
banks will require you to supply details, and you should have them available.
Can you repay the loan? Before you can even hope to be approved for a
small business loan, you've got to be able to prove that you can repay this
loan. It's doubtful that you'll get any type of business funding, especially
financing from a bank, based on your "good feeling" of profitability.0
When and how do you anticipate repaying the loan? Have your business plan
laid out and be able to show how receiving this loan will help you to achieve
your goals of a profitable business. A well laid-out business plan showing
long-term profitability will go a long way in helping you to win the approval of
your potential lender as long as other things are in line.
Have a backup plan if your loan isn't approved What happens if you
aren't approved for your small business loan? Do you have a contingency plan, or
will you simply give-up-hope if you can't find the financing or line of credit
that your business needs? Now, a backup funding plan is crucial for a small
business owner - and there are options available to fund your business if you,
for whatever reason, cannot be approved for a traditional small business loan.
If you need a working capital loan, financing for inventory or equipment or any
number of projects that need additional funding for your business, you should
check out the benefits of funding your business through a merchant cash advance.
It's a quick and easy process to get approved, and you can have the cash you
need right away.
If banks have said no to a conventional small business loan, you may
qualify for the best alternative to a loan: a merchant cash advance. Fill out
our simple qualification form to see how much money we can get for you today.
How it Works We leverage one of your untapped business assets: your
future credit card sales. Simply put, we pay you for your future Credit Card
transactions up front and get paid back with a small fixed % of your daily
Credit Card receipts until your obligation is fulfilled.
Once you submit a short application, a funding consultant
will contact you at this time to answer any of your questions, you'll be asked
for a Full application, four months of credit card processing statements and one
month business bank statement, along with a business license. These documents
will be given to our underwriting department for approval, which takes
approximately 24 to 48 hours. Once approved you will then receive a contract
spelling out the specifics of the agreement. If you agree, the funds will be
deposited in your bank account as early as the next business day. In return, we
will collect a small, agreed upon percentage of your daily credit card sales
until the terms of the agreement are satisfied.
About Us We are a financing company dedicated to providing funding
solutions to small and medium-sized businesses. Our alternative funding options
have helped many companies attain financial success. We understand that as a
business owner, you have a vision for your business. You see the big picture of
what it will take to ensure your business' financial success. However, we also
know that many times, in order to achieve this vision of success, working
capital is essential. Obtaining capital from banks or traditional loan companies
is a difficult and lengthy task. Fortunately, we offer a simple funding
alternative for businesses striving to grow and prosper.
Our History of Excellence We have a proven track-record in the
financial industry. With all of our financial experience, we have the knowledge
to help business owners obtain the working capital that they need, in a quick
and timely manner.
Our Team of Experts With a financial background like ours, you can feel
confident in knowing that you will be provided with the best service in the
industry. When you apply for a cash advance with us, you will be assigned a
personal financial specialist to help ensure that you receive quality service,
and to address any questions that you may have about our unique cash advance
Our Cash Advance Process The Merchant Cash Advance process is unlike
any bank or traditional lending institutions'. Instead of
making our clients
worry about coming up with collateral, or money to repay the advance, we allow
them to tap into a resource that is already at their disposal: their credit and
debit card transactions. By collecting a small, pre-determined, percentage of
our clients' credit and debit card transactions, we are helping them avoid the
hassles of monthly payments, deadlines, repayment plans, and late fees.
By choosing to operate this way we are essentially putting our success on the
shoulders of our clients. We are confident in doing this because we stand behind
our clients 100% - we want to see them succeed!
1. What is a Merchant Cash Advance and how can it help my business?
Many small business owners are unable to obtain traditional bank loans because
they have insufficient credit or collateral. As a result, more and more
businesses have been turning to us for infusions of working capital or other
immediate cash needs.
2. How does a Merchant Cash Advance work? It advances cash to merchants
based on anticipated future sales, offering an alternative to the traditional
bank loan. With our program - which is not a loan - businesses receive a lump
sum in return for a percentage of their future MasterCard / Visa, AMEX receipts.
3. How does a Merchant Cash Advance compare to a traditional bank loan?
First of all, qualifying for our program is far easier than a bank loan. No
checks are ever written and there are no fixed daily, weekly or monthly
payments, late fees, hidden fees or interest rates. In addition, there are no
personal guarantees, no closing costs or loss in equity or need to post
collateral to secure the advance.
4. How does the program work? Once you submit an application, a funding
consultant will determine how much money you qualify for based on your average
monthly MasterCard /VISA and AMEX credit card sales volume. At this time, you'll
be asked for a completed application, four months of credit card statements and
one month bank statement. These documents will be given to our underwriting
department for approval. You will then receive a contract spelling out the
specifics of the agreement. If you agree, the funds will be deposited in your
bank account as early as the next business day. In return, we will collect a
small, agreed upon percentage of your daily credit card sales until the terms of
the agreement are satisfied.
5. How difficult will it be for me to qualify? Most businesses will
qualify. Generally, all you need to show is that you've been in business for 60
days and process a minimum of $5,000 a month in credit card receipts.
6. How long will it take to find out if I qualify? Pre-approval takes 24
to 48 hours. Funding takes place in five to seven business days depending on the
amount of the transaction.
7. How long will it take to get the cash? Once the agreement is signed,
the money will be received as early as the next business day.
8. How much can I hope to receive? The average size of our cash advance
is about $25,000, although cash advances range from $5,000 to $500,000.
9. What can I use the money for? You are free to use the money in any way
you feel is best for your business. Many of our customers use it for expansion,
advertising, new equipment or increased (or seasonal) inventory. It is also
frequently used for unforeseen emergencies or to buy out a partner or acquire a
10. Will I need to change credit card processors? You may need to change to
our preferred credit card processor. In that event our preferred processor
guarantees to meet or beat your current processing rates.
11. What if I have questions? No problem. Simply call us at __________ to
speak to a customer service representative.