WHAT WE DO
MERCHANT CASH ADVANCE
Is a Merchant Cash Advance Right for Your Business?
An MCA is an option when a business needs to access capital quickly, has adequate cash flowing through their merchant account each day to make payments on the advance, and the loan purpose can justify the potentially high expense of the advance. And, because credit requirements are typically less than a small business loan, it could be an option for a business that does a lot of credit card transactions every month but has a weak credit profile.
CREDIT CARD PROCESSING
Currently more than 99% of businesses accepting credit cards are on traditional programs. These businesses pay a variety of different Monthly and Annual Fees, as well as a percentage of all sales for the privilege of accepting Credit Cards as a form of payment. When you add up the fees and percentages that Business Owners' are forced to pay it comes out to anywhere from 2.5% – 4%+ of their Gross Credit Card Sales.
With Credit Cards and Mobile Payment options such as Apple Pay and Google Wallet becoming the standard, Business Owners are finding it harder and harder to cover costs. A solution is needed to offset the cost and maintain a reasonable profit margin.
LINES OF CREDIT
Up to $100,000 and APRs as low as 13.99%
Flexible Working Capital
How it works: Draw the cash you need directly into your business checking account at any time. Only pay interest on what you draw. Pay back your balance early any time.
Use Your Line of Credit to:
• Manage accounts receivable gaps
• Take advantage of new opportunities
• Manage unexpected expenses
Short & Long term Loans
Term Loans
Up to $500,000
Rates as low as 9.99% AIR
Long Term
15-36 month terms
Fund Larger Projects That Pay Back Longer Term
- Expansion or new locations
- Large-scale inventory purchases
- Equipment purchases
- New product development
Short Term Loans
3-12 month terms
Finance Projects That Have an Immediate Return on Investment
- Updating or refreshing locations
- Inventory deals with a quick turnaround
- Marketing campaigns
- Seasonal hiring or inventory