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How to Get a Fast and Easy Business Cash Loan

Your business requires a certain amount of cash now, but due to the unpredictable nature of business, you’re wary about being locked into a potentially bad situation that limits your cash flow and ability to run your business.

Almost every company experiences various financial trials and tribulations looking for that business line of credit. You can almost bank on it (no pun intended).

QUESTION: How do you solve your company’s monetary challenges?

Handling your company’s cash and capital properly is tantamount to your businesses’ success.

Get a Quick Business Loan  – NOW

Most online lenders require nothing more than a very brief application and the past few months of business bank checking account statements to get these “fast loans”. These online loans make it easy and you can even apply online. When looking for a cash or capital loan, it can often be referred to as a merchant cash advance or even as credit card funding. If you need fast cash with loan amounts between $10,000 and $250K, these financing options can be a perfect fit for most business owners.

This option is a very common method of providing very easy and fast funding solutions that can be funded in one business day. This method of funding looks at your monthly credit card sales. All you need is consistent or predictable credit card sales. Most of the alternative lenders will offer slightly different terms. Your cash flow and average daily bank balances will determine the amount of money available to your business and the rate and terms and not your personal credit score. The beautiful thing about this funding vehicle is that it is very forgiving.

These loans can be used for emergency cash, to purchase inventory or any unexpected expenses. All you really need is annual revenue above $150,000. The MCA is perfect for temporary cash flow solutions. These loan lenders understand that business happens.

Sometimes it doesn’t. When you have those bad or negative days, a cash loan is the program for you. It is important to understand that the cash loan or merchant cash advance (MCA) is not a business loan. Technically, these are not short term loans.

This funding option is a cash advance based upon the funds that flow through your business merchant account. The MCA looks toward your future credit card and debit cards revenue. Using your credit card sales as the underwriting criteria enables lenders to look at your business differently than a traditional bank and traditional financial institutions might when they evaluate you for a business loan.

Think of it this way.

Wimpy, from the Popeye cartoon (created in 1934 by E. C. Seger), often said, “I’ll gladly pay you tomorrow for a hamburger today.” The “Wimpy’s” of today understand the value of paying the cash advance tomorrow for the money today. In other words, you’ll gladly sell your future (tomorrow’s) credit card receipts for the cash (today).

Does this make sense?

Let’s look at a real-life example You need $100,000. A merchant cash advance will discount your future sales. The rate (or factor rate) may be 1.16. What this means is that you will repay or sell $116,000 of future revenue to get the $100K today. It’s that simple. Make sure you work with a Merchant Cash Advance company that prides itself on being totally transparent with your rates and terms. Watch out for the scam company that will over promise and under deliver. Bear in mind that the merchant cash advance is typically more expensive than your bank loan options.

So why does a business consider this option vs. more traditional types of loans? The primary reason is that your company doesn’t qualify for the term loan or traditional installment loans. Secondarily, certain industries prefer variable payments due to the nature of their business. A restaurant or retailer are perfect examples.

These types of businesses have fluctuating cash flow. Think about a busy restaurant or bar on a long holiday weekend and then everyone leaves town on Monday leaving the joint empty. Our strongest recommendation is to consider all the factors in your decision-making process. The biggest benefit to cash loans is the fast and easy way to get your business the money it needs today.

This alternative to traditional small business loans allows for the repayment to coincide with your company’s natural cash flow. Yes, you pay slightly more daily when you’re rolling along and a little less if the business is slow. The small fixed, regular payment is made until the cash advance gets paid in full. Like all business decision you make for your business, there are pros and cons.

When deciding whether to apply for that cash advance, you need to consider that while you will have quick access to the funds, you will pay higher fees than with the traditional loan. One small negative is there is less flexibility to change your merchant account.

However, the trade-off is an easy approval process. On top of that bad credit is not a challenge with the merchant advance while the daily debits from your bank account do reduce cash flow.

Lastly, it is suitable for a broad range of businesses, and this may be the biggest advantage of all.

Decide beforehand how much money you need and what it will do for your business.

Remember it’s all about your ROI.

Get the Cash You Need Today! CALL 888.456.9223 FOR IMMEDIATE HELP

Mark Kane 2

Mark J. Kane, Founder & CEO of Sunwise Capital, is a distinguished entrepreneur with over 16 years in business financing. Beginning as a psychologist, he quickly became a trailblazing Hospital Administrator. Mark has built multiple ventures, notably accelerating a startup to $18M within months. His transition to Sunwise Capital stems from a deep-seated desire to empower business owners with strategic financial solutions. Recognized for his expertise, Mark's leadership at Sunwise Capital reflects his commitment to fostering business growth and success. Click the link to read more about the author.

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