Business Cash Advance - Working Capital for your business!

Business Cash Advance:

One of the fastest growing business loan option available today! Not a business loan per say - but a cash advance against FUTURE credit card sales providing your business the working capital it needs.

Business Cash Advance - Improve Your Cash Flow

Most businesses in the US, and for the most part around the world, take credit cards as a form of payment. Credit cards help consumers and businesses make quicker and larger purchases.

A business cash advance finance company will advance businesses, who accept credit cards as a form of payment, money (working capital) against FUTURE credit card sales - THIS IS NOT A BUSINESS LOAN - BUT A BUSINESS CASH ADVANCE!

Example: Your business averages $100,000 per month in overall gross sales. 80% or $80,000 is in the form of credit card payments. In most cases, your business could qualify for up to $80,000 in a working capital advance monthly or can be annualized for a larger advance amount. This is a great way for small growing businesses to get the capital they need for growth or to overcome a down market cycle.

After receiving a Business Cash Advance, the finance company will require your credit card transaction payments be funneled through them, through one of their partners, or enter into an agreement with your merchant processor to have the funds returned to them (in some instances, you may have to switch your merchant processing company - but you will get a comparable one - or even better one - in return).

When the finance company receives payment for your credit card receipts, they will remit those funds to your business, less an agreed upon amount - to include minimal repayment of principle and any finance or transactions fees. Example: Your business gets a $250,000 advance from a business cash advance company (BCA). You then process a $100 VISA card transaction. Company BCA receives funds of $98.50 ($100 less the 1.5% Visa merchant rate). The finance company (BCA) then deposits into your account $78.50 ($98.50 minus 20% for your business cash advance). Thus, your business only pays $20 from that transaction while your company uses the $250,000 to grow sales, development new business, and increase profits. Not bad also considering that your business still keeps the bulk of the credit card payment for additional working capital and business expense needs.

Besides receiving needed growth capital, Business Cash Advance repayments are tied to a small portion of FUTURE credit card sales. Thus, if your company has a slow day or week, you are not stuck with a fixed payment amount like you would be with a business loan. As your credit card sales come in, you repay the advance. Taking the example above: Let's say your next Visa transaction is only $50 (not the $100 normal payment). Company BCA (the business cash advance company) receives funds of $49.25 ($50 less the 1.5% Visa merchant rate). The finance company then deposits into your account $39.40 ($49.25 minus 20% for your business cash advance). Thus, when you earn less, you pay less. Further, you can still the business cash advance of $250,000 for working capital and other business growth.

Only need $2,500 monthly in credit card sales and four months in business!!

BUSINESS CASH ADVANCES DO NOT EFFECT YOUR SALES FROM CASH OR CHECK TRANSACTIONS!

Benefits:

• Funds can be used for any purpose - business or personal
• Great for growing businesses with no business assets or business property
• No collateral (unsecured) or personal guarantee
• No fixed repayment schedule
• No extensive paper work or time requirement - no financial / tax documents
• Get advances based on each location
• Limited credit, bad credit, no credit are usually OK
• Quick approvals - usually less than 48 hours
• May be tax deductible
• Not reported on your credit report
• No application or startup fees
• Great source of working capital when your business is facing a cash flow shortage

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Please see each individual business's applications and guidelines for details about terms and conditions of offers. We take reasonable efforts to maintain accurate information. However the information presented is without warranty. When you click on the "Get Started", "Apply Now", "continue" or similar button or company logo you can review the terms and conditions on the lender's web site in most instances. Simply clicking a link does not guarantee approval or acceptance in any program.