Dear Business Owner,
Are you facing financial difficulty?
ARE THE LOCAL BANKS HOLDING YOU BACK FROM GROWING/EXPANDING?
Business funding available fast- Call us today at 716 908-6905! Be funded within 24-72 hrs!
Obtaining a loan from a bank can be virtually impossible. Due to strict risk regulations, banks will turn down business owners with less-than-perfect personal credit or no collateral to place against the loan. 85% of all business owners get turned down for a business loan at their local bank! Even if you do meet the strict requirements for a bank loan, the lengthy application and approval process can take months to complete.
Business opportunities won't wait for bank approvals or additional capital. With a business or merchant cash advance, you can instantly seize whatever opportunities come your way. We provide the best rates and terms, designed to build your business immediately, and in the long term. Are you looking to grow & expand? Do you need to buy inventory? Are you behind on payroll, commercial property taxes? Dealing w lien issues, etc? We can assist you! Let us help grow your business today! Call 716 908-6905.
Is a business or merchant cash advance the best solution for your company's cash flow? As long as you:
Average at least 10k in sales volume per month
Have been in business for over 6 months (only 3 mths for a restaurant!)
And Bankruptcies are OK
You are pre-qualified! Call now to find out more about our cash advance products and get funding for your business fast!
Our private capital investment program has 2 unique investment products that allow small and medium sized businesses to compete with big businesses! Read on to learn about these 2 great products only we offer! The best part? They can be used for ANY industry! Approvals and funding in UNDER 5 days!
We call them our ACHCA and MCA programs!
An Accounts Receivable cash advance (ACHCA) or a Merchant Cash Advance (MCA) is a way to get money without getting a "loan". In essence, we buy some amount of your business' credit card or debit card receivables or account receivables from a later date. Although we buy these at a later date, you get the CASH NOW. Then, instead of having your business pay a big monthly payment like it would with a loan, a certain percentage of your business' future revenue or debt card and credit card revenue is deducted automatically until the original cash amount is paid back.
Some advantages of merchant cash advance (MCA) and a Accounts Receivable Advance ( ACHCA) include:
1. Good credit is not needed, nor does poor credit reflect on you getting less cash, it is not about you and your credit, it is about the business.
2. The amount you pay is low on low sales days and higher on high sales days, keeping cash flow positive, or we can be flexible and agree to a set pay back amount and schedule.
3. No high monthly payments and no set maturity date which gives you more flexibility, where agreed cash terms and future receivables payout is clearly defined so there are no surprises, no accumulating interest monthly, so you can pay off faster.
4. Our program DOES NOT require your business to do credit card processing
5. Only have to be in business for at least 3 months
6. A great way to build business credit, as we report to all 3 credit reporting agencies, UCC filings and Dun and Bradstreet. What that means in English is your business can establish credit even if you cannot.
7. Faster than a loan, get approved, and funded all in 5 days.
8. We can negotiate percentages of future receivables to create funding environments that help you grow.
Imagine the possibilities!
1. Invest into your marketing program
2. Pay off suppliers
3. Get positive cash flow in your business
4. Buy equipment
5. Increase inventory, or buy inventory when it is cheap
7. Hire people
8. Expand, or even use the money on another business venture
9. Finish projects
10. Any thing you want!
What makes these 2 products that only we offer so unique is that they are not a credit based program, so regardless of past credit, bankruptcies or time in business you QUALIFY!
Frequently Asked Questions:
What is Dun and Bradstreet?
Dun & Bradstreet is a corporation that offers information on commercial credit as well as reports on businesses. Most notably, Dun & Bradstreet is recognizable for its Data Universal Numbering System (D.U.N.S.) numbers; these generate business information reports for more than 100 million companies around the globe.
What should I choose, a loan product with a A.P.R. or a Factor Rate loan product?
Two of the most common cost metrics used are the Annual Percentage Rate (APR, or interest rate), and the Rate Factor, sometimes called a flat fee, or simple interest. We'll assume a commercial business bank loan, and then a working capital advance for an amount of $100,000 for purposes of this comparison. Be advised that ACHCA and MCA products can be stretched up to 3 years while you view this example. APR's can be as low as 1.9% and Factor rates can be as low as 1.02 depending on term and use. I am providing these as an example.
Interest Rate / APR - Commercial Bank Loan
Most folks are familiar with an APR; it's used for home mortgages, auto loans, credit cards, commercial property and business loans.
Loan Amount: $100,000
Interest Rate (APR): 5.25% ( Good Credit) (Example FICO 668)
Loan Term: 10 Years
Monthly Payment: $1,073
Total Repayment: $128,750
Advantages: Repayment amortized over longer terms (smaller monthly payment); Usually secured, allowing for lower interest rates;
Disadvantages: Typically a slower process (several weeks to 6+ months); Business owner needs high personal credit score; Longer time in business required (2+ years); Longer loan term leads to higher total repayment.
Rate Factor - Working Capital Advance
Many business owners are less familiar with a Rate Factor, which is simply a flat fee charged on the funds borrowed.
Advance Amount: $100,000
Rate Factor: 1.25 ( Average to Poor Credit) (Example FICO 508)
Term: 36 months
Daily or Weekly Payment Options: $161.50 Each Business Day, or $807.49 Weekly
Total Repayment: $125,000
Advantages: Quick processing time (1-3 business days); Unsecured; Personal credit not a primary factor; Minimal time in business required (3 months). Allows business owners with poor credit to take advantage of lower rates in comparison to traditional SBA loan products
Disadvantages: Shorter terms; (due to unsecured nature); More frequent remittance
We have experts waiting to walk you through your options, call today.
We are very generous in our approval amounts!
Please state your name, business name, type of business, phone number, amount needed, how fast you need it, and what the funds are being used for.
ALSO, ARE YOU PAYING TOO MUCH IN CREDIT CARD PROCESSING FEES WITH YOUR CURRENT PROCESSOR? ALMOST ALL BUSINESS OWNERS ARE BEING SEVERELY OVERCHARGED & EVEN PENALIZED FOR OFFERING CREDIT CARD PROCESSING AS A SERVICE FOR THEIR CUSTOMERS.
WE OFFER A COMPLIMENTARY CREDIT CARD STATEMENT ANALYSIS SO YOU CAN SAVE MONEY!!!!!!!
OFFERING A FREE NO-OBLIGATION SIDE BY SIDE APPLES TO APPLES COST ANALYSIS OF YOUR CREDIT CARD PROCESSING STATEMENTS!
SAVINGS ARE USUALLY 30%-50% OFF YOUR CURRENT PROCESSING FEES! FREE EQUIPMENT/FREE RE-PROGRAMMING...ETF FEES ARE PAID FOR! WORLD CLASS SERVICE W THE LATEST CHIP READER TECHNOLOGY!....BRAND NEW SET-UPS ALSO AVAILABLE, FAST!! CALL ONE OF OUR EXPERTS AND START SAVING $$$/ GROWING YOUR BUSINESS TODAY! Call 716 908-6905.
do NOT contact me with unsolicited services or offers