EXPLANATION OF CREDIT CARD 
    ADVANCE PROGRAM

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.

Here's Why!
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

Simple Qualification
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 process.
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!

F.A.Q.'S
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 new location.

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.