What’s New in the Business Lending Industry


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Benefits Of A Merchant Cash Advance

Get The Money You Need Quickly

Close In 2-3 Days, Often Times Same Day

Timing can mean everything! With a merchant cash advance, you can apply, get approved, and have funds deposited into your account the same day in many cases. The industry standard is 2-3 business days from the time the application is submitted to having funds in your account. For example, you have the opportunity to purchase a book of business from a competitor and need the funds that week

You Don’t Need Great Credit

Who Qualifies: 500 FICO

Past BK, Tax Liens, & Bank Loan Turndowns Are Okay!

The odds of getting approved for a merchant cash advance are much higher than getting a loan or credit cards. The underwriting team for a merchant cash advance will focus on the gross monthly deposits of the business. In most cases, all that is needed is a simple one page application and 3-6 months of business bank statements. 

Use The Funds For Whatever You Like

Marketing, Expansion, Taxes, Payroll, Equipment, Or Whatever You Want

Unlike a SBA 504 Loan Program (if you can even get approved) the funds can be used for any purpose. This flexibility can be extremely beneficial if you would like to utilize a cash injection for a few different costs. Let's face it, owning a business isn't always simple nor are the financial needs. Often times, unsecured working capital is needed in a few different areas to get to the next level. For example, you need to buy new equipment and hire an operator, along with market.

You Won’t Be Risking Your Credit Score Or Assets

Why Risk Your Home & Assets?

A merchant cash advance is Unsecured, meaning you won’t have to guarantee the loan with your assets and the lender is not able to seize your personal or business assets if you default. Additionally, the merchant cash advance will not be tied to your personal credit score. Your debt to income ratio will not be affected.

Don't underestimate the power of unsecured. Heaven forbid, that you come across a hard time, and have a secured bank loan. If you default on that loan, the bank has the power to foreclose on your property and assets. With a merchant cash advance, if you come across hard times, all you need to do is pick up the phone and have a conversation. Because the loan is unsecured, the lender who gave you the merchant cash advance is motivated to find ways to help you through this time. Let's face it, if you can't get back on your feet, they aren't getting paid back. Often times you will have the option to:

  • temporarily stop or delay payments
  • reduce the draw amount
  • extend the term length

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