Many small to mid-sized businesses have trouble juggling cash on hand with current and future financing requirements. These issues are even more difficult for businesses with lower credit. A business cash advance (BCA) empowers companies by allowing them to raise cash quickly. How? A business cash advance works by enabling a business to sell a portion of its projected future sales. The basics of business cash advances are reasonably straightforward. In exchange for a cash advance, a business will offer a percentage of its daily sales income. This percentage of funds is directly sent to the lenders from the processor and continues until the balance is paid. Business cash advance, which may also be called merchant cash advances (MCA), options like ours are perfect for seasonal companies who need better control over their cashflow. These companies have continually fluctuating payments, and a business cash advance loan is an ideal solution for short-term, seasonal, or sale initiatives. The terms, percentage options, credit score requirements, and overall facets of a business cash advance are extremely similar to a merchant cash advance. So, you’ll likely see us refer to these two interchangeably. The biggest difference is how you would repay the advance, with a merchant cash advance relying on a percentage of future credit card sales while a BCA is broader, relying on overall sales. However, they are one and the same.

Features and Benefits

AdvancePay offers business cash advance options for companies that need money fast. We pride ourselves on providing merchant cash advance opportunities with:

  • Lightning-fast approval
  • Cash for business owners with low credit
  • A cash flow option for businesses that get their annual revenue primarily through credit cards sales
  • No term limits
  • Reasonable, competitive terms
  • Simple application process

Small business owners often have difficulty finding the right financing options to support their goals. Sifting through merchant cash advance companies for fast and affordable cash flow solutions can be a headache. However, we are well-versed in the many alternative finance options. Business cash advance loans are a friendly option for companies that have great sales projections (especially through credit card sales) which they can leverage on their own terms.

A business loan is difficult to obtain without the right amount of credit. The process can be daunting and result in a lot of wasted time and energy that could otherwise be spent on more important initiatives. Plus, you may have daily or weekly payments that don’t fit well with your current operation. At AdvancePoint Capital, we understand how important time is for business owners. A merchant cash advance is a premier solution for quick dollars on hand.

We’re here to partner with your small business, not act as a roadblock to their success. It’s for this very reason that we provide funding options and merchant cash advance opportunities that allow small businesses with a wide variety of credit histories to receive the money they need — with easy routes to pay back what’s owed. It’s never been easier to fund your future endeavors.

How Does A Merchant Cash Advance Work?

All businesses can benefit from some additional capital. However, a business loan typically has an application that doesn’t work out for smaller businesses that are looking for quick cash. Here at AdvancePoint Capital, we pride ourselves on being a merchant cash advance provider that understands a company’s needs. If you’re worried about waiting around to qualify for a traditional business loan or have already been waiting, a business or merchant cash advance may be the right path for you.

Merchant cash advances allow you to get funded in a day or two without much paperwork. Once approved, merchant cash advance providers will typically offer a lump sum of cash in exchange for a percentage of your daily credit card sales. If you’re working with a business cash advance, it will involve overall sales. Both merchant cash advances and business cash advance receive a payback through automated clearing house (ACH) withdrawal. This means that payback happens automatically, and you can repay the advance with ease so there’s no need for extra work on your behalf.

The fast, convenient and straightforward way to get the money you need for your business – now! Get Your Quote Today by filling out our simple form.

Business Cash Advance Terms

Many of our clients need cash on hand fast. While it may be ideal in the long run to obtain a business capital loan or a small business term loan, merchant cash advances or business cash advances are the absolute quickest cash advance option on the market. So, here are some reasons why a company owner may want to consider this option:

  • They can’t qualify for business funding. Small business owners know just how difficult it is to be eligible for traditional financing through banks or other loan institutions. Established businesses that are growing or trying to keep up with seasonal spikes need a way to fund ventures. If not, their company could suffer immensely or tank altogether. AdvancePoint Capital offers alternative cash influx methods that give small businesses the freedom to grow or scale on their own terms.
  • They have poor credit. Many small business owners try their hand with banks or with SBA loans. However, eventually, they run into specifications that they cannot meet, long waiting periods, mountains of paperwork, and especially credit. Spending all of this time and effort just to be denied for a poor credit score can be devastating. We have you them covered. As long as a business has been established for six months or more, AdvancePoint Capital will take care of their merchant cash advance needs regardless of credit score. Merchant cash advances are an ideal solution for those struggling with credit requirements.
  • They need cash fast. As we’ve mentioned, a merchant cash advance is the fastest option that a business can get for cash flow — and business cash advance options are similar. Many retailers and merchants need short term capital due to the nature of their business model. A BCA enables businesses to receive fast money from lenders without making them wait around or jump through hoops. Whether it’s through card sales or overall sales, you can get cash fast.

The merchant cash advance and business cash advance process are fast. Within two business days, you can receive the cash flow you need to keep the ball rolling, regardless of credit scores. Because you’re leveraging a percentage of future credit card sales, you don’t have simply don’t have to wait. Unlike traditional financiers, we don’t require tax returns. In addition, poor credit will not affect you. No more hours of paperwork or years of intensive records to dig through in order to get the finances you need — a merchant cash advance is waiting for you.

Our easy to access online application makes the merchant cash advance process fast and simple. All you need to do is fill out the form, giving you instant access to money without an in-person consultation. Receive funding in a shorter time than it takes to fill out a business proposal with AdvancePoint Capital’s merchant cash advance options.

All we need from you for a merchant cash advance is:

  • A submitted one-page application that can be found on our website
  • Proof that your business has been established for six months or more
  • Your most recent Merchant Processing Statements and/or Business Bank Statements

That’s all folks! Receiving merchant cash advances from AdvancePoint Capital is really that simple.

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Apply Today — Fast and Simple Financing

Here at AdvancedPoint Capital, we understand how difficult it is for small businesses to get a foothold where they need it. It’s for this very reason that we got into the alternative financial services business. We know that companies like yours shape the economy — providing products and services while also creating much-needed jobs. Our financial solutions like merchant cash advances are convenient, simple, and fast so that you can receive the capital you need to keep the gears of the economic wheel turning.

Does your bank fail to offer your company the financing options you need on a timeline that works for you? Or perhaps your credit isn’t high enough to receive the payment you need. Contact AdvancePoint Capital today so that your company can obtain the financing it needs faster than ever before. You’ll have your hands on a reliable merchant cash advance option quickly. Fill out our simple form, or give us a call at (800) 381-8290. Our helpful and friendly representatives are available to assist you 24/7. Call today!

The fast, convenient and straightforward way to get the money you need for your business – now!

Get your Quote Today by filling out our simple form.

 

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* All loans made by either WebBank, an FDIC-insured Utah industrial bank, or Bank of the Internet Federal Bank, an FDIC-insured federally chartered thrift located in California. In connection with the loans, the Banks' underwriting conditions and terms apply.