Archive for the ‘Business Funding’ Category

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If you are a small business (less than 5 Million dollars in revenue), it is very difficult, if not almost impossible, to get a business loan from a bank today unless the owners have a credit score over 700, are willing to give personal guarantees and have acceptable collateral that is equal to the value of the loan.

Do you, your partners and your business, have these qualifications? If you are like 80% of small businesses in the United States, you do not qualify for a small business loan from traditional banks. Today, banks are more conservative with loan criteria then they were before the recession.

The current banking policies are making it very difficult for small emerging business to secure working capital for growth or expansion. The smaller the business, the more closely the individual behind it will be evaluated. Most small businesses, in the forms of sole proprietorships or partnerships, are closely tied to the experience, know-how, and overall character of the owner(s).

There is another emerging source of working capital for small businesses that accept credit cards for the payment of their goods and services. This form of capital is known as a capital advance. No collateral or personal guarantee is required and your business would make variable payments based on your credit card transactions. These loans can normally be secured in 5-6 business days.

If you are in need of $5,000.00 to $250,000 in working capital, you should be evaluating a capital advance.


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Do you need funding to pay for much needed equipment, to meet payroll, to pay taxes or advertising expenses?   A Business Cash Advance could be the easiest and fastest way to get the cash now.

A Business Cash Advance is based on your future credit card sales. There are no fixed monthly payments, instead a percentage of your monthly credit card transactions is deducted until your cash advance has been paid back.

Best yet, it is easier to obtain a Business Cash Advance than a bank line of credit or other small business loan.   Here are some facts about obtaining a Business Cash Advance:

  • High Credit Score Not Required
  • Business Plan Not Required
  • Tax Returns Not Required
  • Financial Statements Not Required
  • Guarantee Against Fraud or Intervention
  • No Application Fee
  • No Closing Costs or Hidden Fees
  • Approvals in 48 Hours in Most Cases
  • Collateral is Your Future Visa and MasterCard Credit Card or Cash Sales
  • Repayment Based on Current Credit Card or Weekly Sales