As an Alternative to an Unsecured Business Loan, Consider a ...

Over the past few years, merchant cash advances have become really popular with business owners. For people who require unsecured business funding, this product has really done the trick and become something that they rely on heavily. At a time when banks aren?t really lending, even to the most established businesses, merchant cash advance providers have stepped up and filled the gap nicely.

In order to really grow, business owners absolutely require access to working capital. Sometimes you go through a rough patch with sales, and other times you need help getting to the next level. Either way, business capital is one constant in business. I cannot imagine this ever changing. Ever. The horrendous economic growth is caused largely due to the fact that banks have not been lending at all. There is a lot of fear in the markets. This is true both for businesses and consumers alike. As a result, small businesses haven?t been able to grow properly, which has hindered one of the biggest economic boosts, which is in fact small businesses.

MCA providers work by purchasing a certain volume of future revenue from small businesses in exchange for a lump sum payment upfront. That revenue can come in a number of different ways, but usually, and traditionally, merchant cash advance providers purchase future credit card processing revenue.

The advantages tied to utilizing this type of business funding is quite significant. This type of business funding never comes with a personal guarantee. There are never any guarantees with this type of funding. No personal guarantees, and no collateral or assets that have to be tied up. Many business owners find a lot of relief in this fact due to the uncertainty they experience every day in this economy.

With traditional small business loans, payments are fixed and due at a certain time. Merchant cash advances have payments that vary with the flow of your business. You usually pledge a fixed percentage of future transactions from your credit card processor. Because of the fact that nobody processes the same amount every single month, payments will never be fixed and there are no terms associated with this type of funding. In slow months, your payments will be lower. Your payments will be higher in months that your sales are higher, which should be okay because you?ll have stronger cash flow.

A great website to check out is http://smallbusinessloanoptions.com. You just answer a few questions about yourself and your business and they?ll match you with different business funding providers.

Source: http://immfinancial.com/2012/as-an-alternative-to-an-unsecured-business-loan-consider-a-merchant-cash-advance/

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