Whether you as a business owner want to expand your business, fund your next marketing campaign, or save your business from ruin, a merchant advance is a great loan alternative to consider. When looking to grow or save a small or struggling business, a loan is the obvious choice. But loans come with the traditional bank hassles and people who do not understand you and your business.  If you choose to boost your business with a merchant advance instead of a traditional business loan, you can avoid all of the common hassles normally associated with business loans.

A merchant advance is a small business loan alternative that allows your business to get funds in the immediate future, based on your future credit card and debit card sales. The company offering the advanced funds purchases a portion of these future credit card and debit card sales at a discount. To settle your obligation, a fixed percentage of your company’s daily credit sales are later retrieved.

More and more businesses are considering the benefits of a credit advance versus a traditional bank loan. One of the main benefits to choosing this alternative over a traditional business loan is the amount of time it takes to get the funds your business so desperately needs. Whereas a loan can take weeks or months to get you the working capital you need, the funds from a credit loan are usually available in one to two weeks.

When you and your company are in trouble, time is of the essence. Choosing the path of a loan based on your credit and debit sales is the quickest means to the end of your business troubles. So if your business is in need of working capital in the immediate future, consider a credit loan as a quick and easy alternative to a traditional bank loan.

Another advantage of using this type of loan process is that there are no up-front or out-of-pocket costs for credit checks and other miscellaneous expenses associated with bank loans.  Credit loans can also offer you flexibility in terms that traditional bank loans cannot. Do not waste any more of your business’ precious time; choose an advance over a traditional bank loan and you will no doubt be making the right decision for your company.

If you’re a small business, it’s not surprising that you may need to rely on a merchant advance to maintain solvency. We live in the toughest economic times we’ve faced since the Great Depression. This volatile market climate can spell the doom of many small businesses. If you’re a small company, it’s important to use every tool at your disposal to stay afloat in order to survive and prosper well into the future.

One of the most important tools small businesses have in this economic climate is the merchant advance. Small businesses can gain cash advances against the future credit and debit sales at a discount. You then settle the obligation as the cash advance company retrieves the value at a fixed percentage.

In a sense, you are really buying prosperity against your future. This makes sense in the wake of such a recession when economies are certain to recover and heal. A cash advance gives you the funding you need to make it to a future where markets promise more prosperity.

You don’t need collateral, since it’s not a loan. You also pay zero interest, since the funding company simply advances the cash and you pay back the exact amount through small fixed payments that occur over time. A cash advance is cold hard cash. You are free to use the money for any purpose, giving your company the maximum economic flexibility that it needs. Custom cash flow puts the economic power in your hands with few restrictions.

Plus, you can have the money in a week. Most loans take at least 21 days to process, even small business loans that receive special funding from the government. A cash advance only takes a few days, giving you the financial leverage you need to survive to succeed in the world of tomorrow. If your business needs emergency funds immediately, a cash advance is your fastest route to a solid check you can use however you’d like.

These difficult economic times require a small business to think outside the box when it comes to remaining solvent. Traditional bank loans have their restrictions, generally take time to process, and then have to be paid back with interest. Cash advances give your company economic leverage without having to pay interest to the bank.

Survive this economy today by planning your future tomorrow.

As a new small business owner, you probably hoped and dreamed that your business would do well. But when it surpasses your expectations, it can be both gratifying and terrifying if you do not have the funds to meet the steadily growing demands of your business. Typical SBA business loans have strict guidelines, restrictions and repayment policies. If you are a new business owner or own a small business, you have already dealt with a plethora of red tape and restrictions while getting your business started. And maybe you have had great initial success and already need funding beyond the start-up costs that you anticipated. Even if your company is only six months old, there are several ways to get funding without the headaches and hassles of  SBA business loans.

Looking into the option of credit card factoring to get  the funds your new company needs might be something that you have not considered before, but it is certainly a loan alternative for you to look into to grow your enterprise. This type of loan is based solely on your own company’s future sales. Part of your future debit card and credit card sales are purchased by a funding company and, in return, you and your business receive immediate capital to use for whatever your companies specific needs are with no restrictions from the lending company.

The payback method is just as simple as receiving the funds. Payback terms can last anywhere from six to twelve months, and basically a daily percentage of your credit card and debit card sales are collected as repayment for your initial loan.

Don’t waste time sifting through all the complicated information related to typical small business loans. Instead, take advantage of the easier option of getting an advance. All of the time you will save by avoiding all of the paperwork and complication of a traditional loan can be devoted to your growing and soon-to-be very successful business.

The economic climate of the last few months definitely qualifies for a national disaster.

Markets have been washed away while transportation, healthcare and infrastructure costs soar through the roof, creating a very volatile climate, indeed, for small businesses. These difficult conditions have inspired many of them to seek sba business loans from the US Small Business Administration. Many sba loans are designed to help businesses in the face of worldwide disasters, and current economic conditions definitely fit these terms, pushing more and more small businesses to seek help to avoid going under.

When it comes to staying afloat, however, timing is everything. Most sba business loans can take as long as 60 days, which can just be too long for small store fronts, family businesses and other entrepreneurs to stay above water during these tough economic times.

However, many small businesses are discovering alternatives. These economic conditions are far from permanent. As economies recede, they will also grow, following the ingrained, natural rhythms of economic tides. Imagine being able to get an advance on your future credit card sales. This ground breaking concept has been in use for over a decade. You can generally get advances fast, within 7 to 14 business days. This allows you to make a payday, settle certain financial obligations, or just remain cohesive until the economic storm passes. The advances are cold, hard cash. You’re free to do whatever you want with it.

Really, you shouldn’t have to pay any hidden fees. You need no collateral, and you face no personal guarantee.

Businesses need to be resourceful in these tough economic times. By selling their future sales today for a discount, business owners access what is considered “king” in this and every economy: CASH. Cash advances work to keep you solvent, allowing you to pay back the advance pieces at a time as economies improve and your business regains solid footing.