Merchant Cash Advances

Merchant cash advances provide merchants with a fast and easy way to access working capital by tapping into future credit card sales volume. This provides convenient access to cash for your current needs, while paying back the advance over time through the normal course of business. Unlike a conventional bank loan or line of credit, you do not have to budget for the large monthly payment to repay the loan. As your business continues to operate on a daily basis, a small percentage of each credit card transaction is used to pay back the merchant cash advance.

It is estimated that over 90% of US merchants looking for capital cannot get approved through traditional financing.

The main reasons are:

• The owner does not have enough collateral or is not interested in using personal assets for a business loan.


• The merchant has not been in business long enough to qualify.


• The owner has less than perfect credit.


• Banks are not lending to the restaurant and retail industries due to risk.