Merchant Cash Advance Be A Business Lifeline

A merchant cash advance from Rapid Capital Funding could be the one thing that keeps your small business alive. To a bank, a business can be reduced to a numerical value. A loan could mean the difference between survival and closure, but a bank only looks at the numbers.

A small business may be a family-owned operation that has a long history of service to the community. Family-owned operations and community service don’t factor into the bank’s numbers very easily. A small business may employ one or a dozen or even one hundred people who depend on the business to sustain themselves and their families. But those numbers don’t factor into the bank’s decisions.

In England, small businesses are failing at a rate of 120 per day because banks won’t lend their money to otherwise viable small businesses. The figures here aren’t much better. Do you want to hang the survival of your business on the numbers that matter to the bank? Wouldn’t you rather make the decisions about which numbers are most important to your business?

Rapid Capital Funding offers small business loan alternatives that aren’t hinged on a business’ credit rating. There are no long application forms to fill out, no interminable waiting period to find out if you’ve been approved, no collateral to put up, and no personal guarantees to make.

Rapid Capital Funding will invest in your business by buying a portion of your future credit card transactions. Businesses of any size that accept Visa or MasterCard and generate at least $2,500 per month in credit and debit card transactions qualify.

Repayment terms are easy. When your transaction volume is high, your advance is repaid faster. When your transaction volume slows, the repayment slows, too. This is ideal for seasonal and cyclical businesses. Rapid Capital Funding also offers special financing programs for restaurants and other high-transaction volume businesses that need to shore up their cash flow.

Contact Rapid Capital Funding today for more information about business loan alternatives, and let us show you how they can help your business.

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Merchant Cash Advance Can Steady Your Cash Flow

A merchant cash advance from Rapid Capital Funding can help your business maintain adequate cash flow in these uncertain economic times. A merchant cash advance can put the cash you need into your account in a matter of hours. No bank loan will do that.

A merchant cash advance is an alternative to small business loans. There is no long application process, no processing fees, no credit checks. A merchant cash advance doesn’t depend on your good credit, so you don’t get turned down when your credit is less-than-perfect.

Regardless of why you need the money, Rapid Capital Funding can help. Whether you need working capital, money to purchase new equipment, pay for unexpected expenses, make a payroll tax payment, or anything else, the terms of our offer are still the same: you ask, we provide!

Ninety-five percent of businesses that apply for a merchant cash advance get the cash they’re looking for. How does this work? Rapid Capital Funding purchases a percentage of your future credit card transactions. As those transactions come in, we collect our repayment and you collect the cash your business would ordinarily get from a credit or debit transaction involving a Visa or MasterCard. It’s simple!

Better, there are no monthly loan payments to make and our repayment schedule is based on your transactions, so if you have a slow month, you repay at a slower rate. That’s why so many small business owners are moving to merchant cash advances in place of bank loans.

Contact Rapid Capital Funding today for more information on how a merchant cash advance can help your business thrive and grow in today’s tough marketplace.

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Wells Fargo Small Business Optimism Survey Goes Negative

For the first time in the nearly six-year history of the Wells Fargo Small Business Index, owner optimism dropped below zero for the first time in the survey’s history. The survey, which was conducted between January 22 and February 2, down 14 points from the previous survey and 118 points lower than the record high for the index, which was notched in November 2006. The zero point on the index scale means that business owners are neither optimistic nor pessimistic about the business and economic conditions of their companies.

The index measures the present conditions and near-future outlook for small businesses in a half-dozen key areas, including overall financial picture, cash flow, revenues, capital spending or planned capital improvements, hiring and the availability of credit.

Respondents to the survey did not reduce their hiring plans overall from the Q4 2008 survey, but did report more problems with cash flow, credit availability, slow growth in revenue and an overall decline in the respondents’ financial situation.

A merchant cash advance from Rapid Capital Funding can help keep your business cash flow looking good. A merchant cash advance leverages your future credit card transactions to provide you the cash you need today.

Doing business and staying afloat in a recession can be challenging, but Rapid Capital Funding is here to help. Contact us today and see what a merchant cash advance can do for your small business.

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First Rule Of Cash Flow: Keep It Coming

Small business owners have a unique appreciation for cash flow; it’s what keeps their business alive. The first rule of being in business, then, is “Never run out of cash!” That’s hard to do these days, even for large businesses. If you want to see what happens when a business runs out of cash, watch GM in the coming months. The results can be catastrophic, and the effects aren’t limited to the troubled business itself.

While GM has a “cash burn” of a billion dollars or more each month, small businesses usually get by on a lot less! Without adequate cash flow, even minor unplanned expenses can create major problems. How can you assure yourself that your business won’t run out of cash at a critical point?

If your US-based business accepts Visa or MasterCard, and generates at least $2,500 each month in credit and debit receipts, a merchant cash advance may be your best option for ensuring that you always have enough cash on hand to pay bills, handle unexpected expenses or shore up your cash position.

A merchant cash advance from Rapid Capital Funding is a quick way to get the cash you need when you need it. Unlike a bank loan, a merchant cash advance can be in your hands in a matter of days. There’s no long application process and no waiting to find out if you’ve been approved. Your credit doesn’t even play a big role in whether or not your advance is approved. This means that merchants with less-than-perfect credit can also get a merchant cash advance.

Rapid Capital Funding also has special restaurant financing programs. These programs are also ideal for businesses that have a high credit card transaction volume. Don’t wait to set up your merchant cash advance. Contact Rapid Capital Funding today and let us show you how to keep the cash flowing into your business!

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Merchant Cash Advance Is A Small Business Loan Alternative

A merchant cash advance may be just the thing your business is looking for. A merchant cash advance is a credible alternative to a small business loan, and is ideal for US based businesses that accept Visa or MasterCard and generate at least $2,500 per month in credit and debit receipts.

A merchant cash advance can put cash in your account in as little as 72 hours. If you’ve been turned down for a loan from the bank, or can’t find a bank willing to extend a small business administration loan, you’re not alone. Many banks are unwilling to lend to small businesses, even those that have great credit and pay their bills on time.

Don’t let your business suffer because you can’t get the cash you need. Turn to Rapid Capital Funding for small business loan alternatives that will put cash into your accounts fast!

A merchant cash advance leverages your future credit card transactions to get you the cash you need right now. As these transactions come in, a small percentage of the funds are diverted to repay your advance. Once the cash advance is set up, there’s nothing else to do on your end, except what you do every day: run your business!

Merchants appreciate the flexibility of the merchant cash advance, and Rapid Capital Funding’s ability to get them the funds they need whenever they need cash. There are no long applications to fill out, no questions to answer, no collateral and no personal guarantees – just cash.

Contact Rapid Capital Funding today to learn how a merchant cash advance can help your business.

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Business Cash Advance Could Get The Cash Flowing

It may sound counterintuitive, but a business cash advance could be a good move for your business. “You can’t borrow your way out of debt” is among the basic truths you’ll find in business. In tough economic times however, businesses that have enough cash on hand are the ones that tend to survive.

A business cash advance can help you conserve your cash and still help you make the purchases you need to keep your small business running. A business cash advance uses the power of your future credit card transactions to get you the cash you need today. If your US-based business accepts Visa or MasterCard and generates credit or debit receipts of at least $2,500 per month, you’re likely qualified for a business cash advance from Rapid Capital Funding.

Unlike a bank loan, there’s no monthly payment to make, no long application to fill out, no waiting period and no explaining what you need the money for. There’s also no collateral and no personal guarantees. Just the money you need when you need it. Rapid Capital Funding can usually get you the cash you need within 72 hours.

Each time you process a credit card transaction, a small percentage of the transaction is diverted to repay the cash advance. The more transactions you process, the more you repay. The fewer transactions you have, the slower your repayment is. That’s one reason so many merchants like the business cash advance. The repayment is flexible. It doesn’t require you to commit a large amount of your receipts to repayment of the cash advance.

Rapid Capital Funding also has special restaurant financing programs, and programs for other businesses with a high transaction volume. Don’t let your business run out of cash, and don’t spend the cash you have if you don’t absolutely have to. Let Rapid Capital Funding show you how a business cash advance can get you the cash you need when you need it.

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Merchant Cash Advance Could Ease Small Business Suffering

A merchant cash advance offers one more option for small businesses looking for ways to get more cash into their accounts. In the world of business, adequate cash flow is essential. Today, with tightened lending standards and the slow economy, small businesses are finding it tough to get the cash they need when they need it.

That’s where a merchant cash advance can help. A merchant cash advance from Rapid Capital Funding can put cash into your account in a matter of hours. Most advances are processed and paid within 72 hours!

A merchant cash advance isn’t like a bank loan. There are no long applications to fill out, no waiting periods to find out if the loan has been approved, and no monthly repayments. How does a merchant cash advance work?

Simply put, you collect payment for your future credit card transactions up front from Rapid Capital Funding. As those transactions are actually made by your customers, a small percentage of the money is returned to Rapid Capital Funding. You pay off your advance as your transactions come in. You get the cash you need right away, and payback terms are easy.

There are no monthly bills to pay, because repayment occurs each time a transaction is processed. When your transaction volume is high, your repayment occurs more quickly. When your transactions slow down, so do your repayments. A merchant cash advance is a flexible, easy and fast way to get the cash your business needs. Even merchants with less than perfect credit can qualify for this service.

Contact Rapid Capital Funding today to find out how a merchant cash advance can work for you!

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Small Business Cash Flow Hurt By Credit Markets

About 50% of all small businesses depend upon their credit cards for short-term financing. Until recently, the system worked well for small business owners who needed to float loans for a little while. In the past several months, however, credit card interest rates have doubled and in some cases tripled. In addition, small business owners are finding that their credit lines have been cut. In all, nearly $3 trillion have been removed from the “available credit” market.

For some small business owners who depend on the cards, these changes can cause cash flow problems. Rapid Capital Funding offers small business owners another way to get the cash they need for their businesses. A merchant cash advance enables you to turn your future credit card transactions into cash right now.

If your business accepts Visa or MasterCard, is registered in the United States and generates $2,500 or more in credit or debit transactions each month, you may qualify for a merchant cash advance. With a merchant cash advance, you receive money for your future credit card transactions. As those transactions come in, a small percentage is diverted to repay your cash advance.

This gives your business the flexibility to get cash when you need it, without a long waiting or approval process, monthly repayments, collateral or personal guarantees. Think of this as a “cash-on-demand” option for your business. We have special financing plans for restaurants, too!

Most applications are processed and funded within three days. You won’t get that kind of response from a bank! If your small business needs cash and your bank isn’t talking to you, contact Rapid Capital Funding today and let us show you how to put credit cards back to work for you!

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Merchant Cash Advance Could Cure Stimulus Cash Flow Problems

If you think a merchant cash advance isn’t for you, hold that thought. The long-awaited stimulus plan has been presented and passed by Congress. The American Recovery and Reinvestment Act of 2009 may hold some nasty cash flow surprises for small businesses however. The package sets aside nearly $25 billion to subsidize health care premiums for recently discharged workers. The new law calls for a 65% subsidy in COBRA payments, but the actual cash comes from the employers themselves.

Under the new law, employers can deduct the 65% premium from their federal payroll tax deposits, but the up-front cash comes from the employers themselves. If you’ve recently laid off employees, or plan to do so in the near future, and those employees have health care benefits, you could be fronting the COBRA subsidy for your employees. Further, if the COBRA subsidy exceeds your payroll deposit, you’ll need to request reimbursement from the Treasury Department. You guessed it: the reimbursement policy is not yet in place.

Health care premiums are expensive, and COBRA payments for separated employees could cost your business thousands of dollars each month. If you experience a sudden cash flow problem, how will you pay your monthly COBRA payments?

A merchant cash advance can give you the cash you need to cover COBRA payments, payroll taxes or unexpected expenses related to your business. And a merchant cash advance is fast, too. Rapid Capital Funding can arrange a merchant cash advance in a matter of days. With a bank you could wait weeks or months for loan funds.

In a recession, the difference between survival and failure is cash. If your business doesn’t have the cash it needs, contact Rapid Capital Funding today and let us show you how we can help.

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Merchant Cash Advance May Be Part Of Survival Plan

For small businesses, even in a positive economy, survival takes a lot of work. In a down economy, every move must be considered carefully because there’s little room to recover from missteps. One mistake that small businesses make consistently is not having enough cash on hand to respond to emergencies, and unforeseen delays in collecting receivables. For some businesses, a merchant cash advance can help.

A merchant cash advance provides the money you need now. Each cash advance is backed by your future credit card transactions. Each time you accept a credit card, a small percentage of your sale goes to repay the merchant cash advance. In this way, you can leverage your future transactions to get the cash you need when you need it. There are no delays in getting the cash, either. Most merchant cash advances can put money in your account in less than 72 hours. You can’t say that about a bank loan.

Also, there’s no need to provide collateral, personal guarantees or fill out long application forms. If your business is registered in the US, accepts Visa or MasterCard and generates credit or debit receipts of at least $2,500 per month, you’re likely to qualify. Ninety-five percent of applicants do – even those with less-than-perfect credit.

Don’t get caught without the cash you need. Contact Rapid Capital Funding today and get the cash you need for your small (or large!) business.

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