Merchant Cash Advance Options

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What Are Merchant Cash Advances?

Merchant cash advances are business loans received by merchants from banks or alternative lenders. One of the virtues of a business having an active, well-managed Merchant Account with high $$$ average activity is that the company is fully qualified for a Merchant Cash Advance loan if it needs to increase its cash flow for any reason.  It’s QUICK MONEY.

Businesses with less-than-perfect credit often use Merchant Cash Advance loans to finance their activities because their business provides the loan’s collateral. And in some cases, these advances are paid for with future credit card receipts or with a portion of the funds the merchant receives from sales in his online account.

Rather than using a business' credit score, these alternative lenders who offer Merchant Cash Advances consider the business’ creditworthiness by looking at several other factors, including the dollar volume the merchant receives normally through its business sales and what it receives from online accounts like PayPal.

They also look at what type of business is being conducted and how the cards or checks are being received and/or conveyed to the merchant.

For example, a merchant who requires all of their transactions to have the card holder present to personally swiping their card at the time of the transaction is going to be priced much differently than a business working solely with online sales or other third-party telephone orders. Merchant Cash Advance percentages & terms are determined on a case-by-case basis.

Working Capital Loans –

A working capital loan is a loan that has the purpose of financing the everyday operations of a company. Working capital loans are not used to buy long-term assets or investments; instead they are used to cover accounts payable, wages, or material orders etc.

Companies that have high seasonality or a cyclical sale cycle usually rely on working capital loans to help with periods of reduced business activity. Working capital is the cash available to finance a company's short-term operational needs. Sometimes a company doesn’t have adequate cash on hand or asset liquidity to cover daily operational expenses. Therefore, working capital loans are simple corporate debt borrowings that are used by a company to finance its daily operations.

Many companies do not have stable or predictable revenue throughout the year. Manufacturing companies, for example, have cyclical sales cycles that correspond with the needs of retailer.

Most retailers sell the most product during the fourth quarter of the year, during the holiday season. To supply retailers with the proper amount of goods, manufactures typically conduct most of their production activity during the summer months, getting inventories ready for the fourth quarter push.

Then, when the end of the year hits, retailers reduce manufacturing purchases as they focus on selling through their inventory, subsequently reducing manufacturing sales.

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SBA Loans/Grants For Small Business

Congress just passed a $4.5 Billion Dollar Relief Package for Small Businesses, but this money will  go fast, so YOU HAVE TO ACT NOW TO GET IT... 

Money for the original Payroll Protection Plan (PPP) ran-out quickly, and now many banks and lenders have stopped taking applications, but BBB is accepting New Applications, which will be assigned to the SBA for this next round of relief funding.

This way, you'll get funding faster. That's because you signed-up sooner, and this money is available on a FIRST-COME FIRST-SERVE BASIS, so you'll be nearer to the front-of-the-line when the new relief money is distributed   

The SBA has both GRANTS & LOANS for Small Business owners. Loan Interest Rates are less than 1% interest and Grants never need to be repaid.

These special GRANTS provide an "emergency advance" of up to $10,000 to small businesses and private non-profits harmed by COVID-19 .

The advance does not need to be repaid under any circumstance, and may be used for business purposes, such as payroll or paying sick leave, or paying business obligations, like debts, rent and mortgage payments. (See p. 28, Section 1110(e)(5) of H.R. 748 (CARES Act))


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