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Category Archive: ACH Loans

Merchant Cash Advance Bad Credit

Are you seeking a merchant cash advance bad credit? You’re not alone. With banks and most private lenders shying more and more away from business borrowers with less than stellar credit, our MCA bad credit program may be just what the Doctor ordered. The beauty of working with us is 1) It costs you nothing to find out whether you qualify, 2) Personal credit of the business owner is rarely a problem and 3) You will find out quickly, usually in 1 to 2 business days if you’re approved.

Call us today at 877-655-5625 and ask for Ron, even weekends and holidays so we can get you started right away or…

For more on our merchant cash advance poor credit program, see below.


merchant cash advance bad creditGet the funding you need quickly – It only takes a few minutes to sign up with most providers and complete a quick simple application . Once you have supplied everything necessary to underwrite your Merchant cash advance funding request, and assuming your application is solid, you can get the business funding you need – usually in a few days and sometimes in 24 to 48 hours after your approved.

Sometimes the entire process can be completed in less than a week. Compare this cycle with your typical bank loan, which can take months just to be approved, much less funded. For business owners who are strapped for cash, a business cash advance bad credit can provide them with critical capital in a fraction of the time. This speed is critical for businesses needing payroll coverage or to pay for critical repairs or inventory, just to name a few.


Less Stress and More Time. – Money comes and goes, but time is a commodity that can never be regained. Searching for a steady, reliable source of business financing should not consume all the precious hours in a work day.

“Money comes and goes, but time is a commodity that can never be regained.”

If you need to pay bills or make payroll, don’t stress out about it. Do something about it with a merchant cash advance. Simply submit an application and proper documentation, provide the necessary financial documents to assist the underwriting process and get back to what you do best: running your business.


business cash advance bad creditTake Control of your Cash Flow – Every business lives and dies by its cash flow. But when it comes to traditional financing, borrowers may find their cash flow impeded by large monthly payments or onerous conditions imposed by the lender. After the financial crisis in 2009, most banks required almost a one-to-one deposit to loan ratio, meaning you had to have as much cash on hand as you were looking to borrow. The obvious reaction from borrowers was something to the effect of, “if I had the money in the bank already, I wouldn’t need to borrow it!”

“Every business lives and dies by its cash flow.”

A merchant cash advance, however, is flexible financing. Done wisely and within your means, a merchant cash advance can serve as part of your overall financing strategy. It can be your Plan B for emergencies.


Lender Transparency on Underwriting and Fees. One common misconception about merchant cash advances is that they all have very high fees. This is not always the case.

But the fees incurred on our MCA program can vary depending on several factors including the industry, prevailing advance rates, the borrower’s creditworthiness, the number of invoices submitted per period, and outstanding invoices. The more invoices you produce, the more deposits you take in and the better your credit rating, the more advantageous the rate.

Adjust your advance payments based on the seasonality of your business – A good lender fully understands your business’s financial standing, creditworthiness, experience and collateral because they can affect your ability to pay down your debt.

If your business has seasonal fluctuations, you want your lender to be aware of them, too.

For example, the financial profile, creditworthiness and seasonality of a heating oil company in Pennsylvania will significantly differ from a surfing outfitter store in California. Both companies may use a business cash advance but how they do it will vary.

“A good lender fully understands your business’s financial standing…”

The fuel company may utilize an MCA to hedge against supply price changes. The surf shop may use one to replenish its inventory of swimwear, flip flops, beach towels and toys.


Hang on to your valuable equity – In certain cases, traditional lenders may dictate how you spend what you’ve borrowed. They may require that you buy new equipment, instead of training employees or even covering their payroll. They can even restrict the use of your existing funds by forcing you to pledge your accounts.

With a merchant or business cash advance, business owners won’t have to worry about signing their life away when they get the funding they need. A merchant cash advance is based upon the revenue of your business, not the equity or valuation of your business.


Grow your bottom line – Let’s face it, you spend over 12 hours a day at your business for one reason: to make a profit.

Obtaining working capital when you need it should not affect your bottom line. The process should be fully transparent and negotiated fairly. And it should benefit you.

With a merchant cash advance bad credit, it’s possible to take advantage of early payment discounts from vendors, get bulk discounts from wholesale suppliers and other bottom line increasing moves.


Call us today to get started. 1-877-655-5625, 7 days a week. Ask for Ron


ACH Loans aka Hard Money Business Loans

ACH Loans, Hard Money Business Loans

An ACH loan can cover a lot of loan scenarios, including merchant cash advance loans, small business loans for bad credit (although some but not all business cash advance loans require decent credit), hard money business loans, and business cash advance loans but the core of nearly all ACH loans or merchant loans is the cash flow of the business as these business cash advance loans need for the business’s cash flow to be able to comfortably cover the payback of the loan. Fortunately, our ACH or merchant loans program cover the gamut. These include very quick closing business cash advance loans and real estate backed small business loans with bad credit and all points in between. Our real estate secured business loans can be in first position, second position or even third position if there is sufficient equity in the property. There are very few programs out there for commercial second mortgages and especially commercial third mortgages. Securing business cash advance loans or merchant loans with real estate lowers the rate and makes cash advance loans direct lender with bad credit on the owner very possible. The additional security allows us to provide business loans for poor credit business owners, an all too common situation nowadays.

Call Us Today at 1-828-689-4683 or 1-877-655-5625

Merchant Cash Advance Loans

ACH LoansSo let’s talk about business cash advance or merchant cash advance loans in general. The beauty of these what some would call hard money business loans (although not always so) is there are so many ways to fund a business’s short term cash needs, it allows us to provide hard money business loans to most businesses that apply. These short term business advance loans also allow us to structure the loan’s payback to fit the business’s cash flow whether it be daily, weekly, or monthly.

So why would a business need business cash advance aka ACH loans in the first place. It all surrounds cash flow, particularly for growing businesses, Also, small business or merchant cash advance loans may be the only business loan that the business qualifies for, particularly if the business has no accounts receivable to pledge for a more traditional ABL loan. ABL or asset based loans are typically based on the aged accounts receivables (the funding percentage drops as the accounts receivables age due to the higher perceived risk by a lender). These ABL loans are also known as an ABL facility or asset based line of credit but many small businesses don’t fit these type programs. This is particularly true for small businesses with bad credit. Business loans for bad credit only fit programs such as merchant loans as they are based on cash generated by the business making credit of the business or borrower of minimal importance.

Call Us Today at 1-828-689-4683 or 1-877-655-5625

Merchant Loans

Merchant Loans

Let’s talk about cash flow, the life blood of a business. Sadly, there have been many businesses that went bankrupt, including some large businesses that were profitable but just got caught without sufficient cash to pay the normal monthly bills. These usually occur from a business letting its inventory and/or accounts receivables get out of control. This can also happen in businesses that are growing rapidly. Their cash inflow just can’t keep pace with their expenses and working capital (accounts receivables and inventory). That’s where working capital loans, including business cash advance loans come into play. These asset and cash flow based loans bridge the gap until a business stabilizes its cash flow from growth or from lack of good working capital management. They sort of stretch out the negative cash flow issues until the business gets stabilized, much like a seriously ill patient in an emergency room. To carry this analogy a bit further, some patients that come to the ‘financial emergency room’ if you will can take a simple pill like an ABL or working capital loan and go home.  Others like a business with poor credit need a small business loan for bad credit, including merchant cash advance or business cash advance loan to stabilize a business (patient) until it can ‘go home’.

Business Cash Advance Loans

That’s the beauty of our ACH or business cash advance loans. We can provide a business with funding based on its needs not some hard and fast loan program that turns businesses down more than provides them with the critical funding needed to be successful,even restaurant or high risk business loans. We also have some great commercial real estate bridge loans if your short term (6 months to 3 years) business funding needs are for real estate as well as restaurant business loans that can help your restaurant grow and prosper.