| p>The way you hear some people talk, an unsecured | | | | factoring to cover payroll and operating expenses. A |
| merchant cash advance is a great tool when the | | | | Merchant Cash Advance is just another option |
| economy is struggling and credit is tight. And they're | | | | available to us, and as business owners one of the |
| right! Considering the current economic crisis and near | | | | things we want most is options. |
| panic in the worst downturn in the last 80 or so | | | | Unsecured merchant cash advance financing provides |
| years, business lines of credit, especially loans for | | | | us with a number of benefits over of a traditional |
| operating capital all but dried up and disappeared. And | | | | business loan; two of the most important that have |
| as a business owner you know that operating capital | | | | the greatest impact to you and your business are: |
| and cash flow are what we run on. | | | | - Payments Based on Revenues. Whether you have |
| From the banks perspective, confidence in the small | | | | a seasonal business or not, we all have to deal with |
| business owner was low; from the business owners' | | | | up and down business cycles. A payment amount |
| perspective, our collective confidence, if there was | | | | based on your actual credit card sales helps you to |
| any, was even lower. We didn't cause the problem | | | | manage your expenses when you need it the most. |
| but were certainly on the receiving end of the | | | | Sales go up, pay a little more. Sales go down, pay a |
| results. | | | | little less. |
| During the credit-crunch times the merchant cash | | | | - Performance Optimized Funding. The funding |
| advance industry provided an alternative source of | | | | amount for which you're eligible is based on and |
| operating capital needed to keep many small | | | | optimized to your established sales and track record, |
| businesses afloat. Now, as the economy is finally | | | | not an arbitrary amount based on detailed, multi-year |
| turning and trending northward, does the MCA | | | | business and personal financial statements. This way |
| industry still have value to us? Does it still make | | | | you never borrow more than you can repay. |
| sense? | | | | The features, functions and benefits of merchant |
| Absolutely! | | | | cash advance funding are not limited to slow or poor |
| MCA shares a common foundation with other funding | | | | financial conditions. Variable payments based on actual |
| and operating capital models, e.g. A/R and invoice | | | | credit card sales, and funding amounts based on |
| factoring that many of you are familiar with. Many, if | | | | value you've created through hard work are good |
| not most consulting and employee staffing companies | | | | things to have in any economy. |
| would not be in business today if they didn't have | | | | |