The new program also offers merchants a Financial Management Workbook containing “an actionable, easy-to-follow curriculum and information on key areas of concern for small businesses”. SCORE’s website points out some of the major business topics covered:

• How to efficiently manage cash flow
• How to maximize income and the speed with which you get paid
• How to minimize expenses
• Knowing your business funding options
• Being prepared for your business’s growth and “what if” scenarios.

“As a longtime provider of small business payment cards and related small business services,” says Raghav Lal, Visa’s head of Global Small Business, “we understand that it is vital for business owners to have easy access to resources and insight to help them manage the health of their business, especially during challenging economic times,”

US Business Finance Corp is an alternative business finance company that helps small businesses obtain Visa and MasterCard merchant credit card accounts and short-term merchant cash advances. On the average, businesses accepting credit cards see their sales receipts totals increase almost 20%. With steady sales from Visa and MasterCard sales, businesses can qualify for merchant cash advances – in amounts from $2,500 to $100,000 determined by monthly sales – to help in tight cash flow emergency situations or for general working capital needs.

If your business is looking for ways to research funding options, talk to the alternative funding experts at US Business Finance Corp – they can show you the benefits of small business loans, equipment leases, merchant cash advances or unsecured loans – and assist you in seeing how each may fit your business’s cash flow needs.

Using their track record of sales, restaurants can use the promise of future sales to land a merchant cash advance. The cash advance can be used for any of the restaurant’s cash flow needs: payroll, payroll taxes, extra inventory or seasonal advertising to boost business. When future Visa and MasterCard sales are made, a portion, usually 15%, goes to repaying the business cash advance. In a normal economy the cash advance is paid off in six months, but, note many merchants, this year the normal time period is seven to nine months. However, there are never any late fees, so the ability to  automatically lengthen of the pay-back period benefits the restaurant owners.

Like many businesses whose success rides on seasonal business, restaurants find the timeliness of landing a merchant cash advance a great asset. Since traditional loans, even if they were possible can not be obtained in time to help with a timely financial need, often take months to gather and process the paperwork and risk analysis. With first time cash advances, the time from application to funding takes less than ten business days.

Tight credit and uneven cash flow problems affecting your restaurant business? Call the merchant cash advance alternative financing specialists at US Business Finance Corp to get an idea of how high a cash advance your restaurant may qualify for based on your past sales.

For many business owners trying to meet payment deadlines, payroll or periodic tax payments, the need to keep the working capital coffers full is often a timely dance. Business cash advances, even in a tight credit market, have the ability to get approved and funded within 5 to 8 working days. Far faster than traditional lending routes.

Business cash advances are never subject to the possibility of inverse loan situations – where a business owner leverages their real estate for financing and reversals in the local real estate market cause their property’s value to fall below the amount of their commercial real estate loan. If Visa and MasterCard sales, which are used to repay the business cash advance slow down, it simply means the cash advance is paid off over a longer period of time.

No late fees, no collection calls and no hassles.

Business cash advances are structured to help business owners get ahead in a business climate that makes traditional lending routes not feasible. Contact the business cash advance team at US Business Finance Corp to see how quickly your working capital levels can benefit from a merchant cash advance. Be ready for your selling season, whatever the holiday or opportunity!

Business cash advances have proven to be both the timely and the cost-effective way to meet the heavy cash needs of business start-ups or expansions. When time to implementation is the key to the success of a sale, business cash advances is the only way to meet the need. Bank financing, if available, takes far too long to consummate. As one teleconference company owner said, he “could not believe how fast and simple the process was. Although this type of financing is more expensive than a traditional business loan, it enabled us to grow our business dramatically which made the cost well worth it.”

As an added benefit, a business cash advance is paid back far faster than a bank loan, leaving the company with a better looking balance sheet when seeking investors or traditional loans for long-term capital needs. By tapping into the ability to leverage future Visa and MasterCard sales, business owners can utilize the services of US Business Finance Corp to quickly get a cash advance. Typically, over the next six to eleven months the merchant cash advance is repaid from a percentage of the credit card sales – usually 15% of the sale amount.

Communications companies can take advantage of the market change as businesses reduce expenses on hotels, meal and travel and shift resources to support the more cost-effective technology of videoconferencing for company meetings and educational seminars. Successful teleconferencing companies have secured merchant cash advances that have allowed them to meet their inventory costs, and server and software upgrade expenses.

Contact US Business Finance Corp small business finance experts. We can help you set up your merchant Visa and MasterCard credit card account or utilize your current credit card sales volume to access business capital in the form of a timely company cash advance.

Don’t let your business opportunities disappear just because the banks are looking to Washington for their business opportunities! Turn to your trusted merchant cash advance specialist at US Business Finance Corp for a personalized education on how your business can benefit from a merchant cash advance and succeed, even in the current business climate.

The Federal Reserve’s Senior Loan Officer Opinion Survey reported that 75% of the surveyed banks had made their lending standards more stringent for small businesses trying to obtain loans. As a result of lower sales and loss of credit lines and small business loan opportunities, small businesses are more apt to let go employees and cut benefits.

US Business Finance Corp has found that small businesses with Visa and MasterCard merchant accounts have been able to tap business cash advances quickly to handle short-term capital emergencies, inventory buying or meeting quarterly tax payments. Using bursts of business that various holidays bring, many merchants see their cash advances getting paid off sooner.

Merchant cash advances are alternative funding solutions where the finance company takes on the funding risk and does not demand securities or collateral. In 2008, the Small Business Administration (SBA) saw its 7(a) loan guarantee program back only 70% as many loans as in 2007. Many small businesses have found the SBA’s raised loan criteria to be just as stringent as the local banks and don’t see the need to wade through the additional paperwork only to get turned down for an SBA-backed loan.

Small businesses using personal credit card cash advances instead of merchant cash advances find themselves in a double-bind, paying high interest and lowering their credit scores in order to fund their business. The double bind initially serves to build the business and cash flow that banks want to see, but hinder later loan applications due to the lowered credit score.

With business cash advances, credit scores are not affected and payments are made sooner with the increased cash flow. Small businesses regularly use the alternative financing to set their business up for better terms with traditional financing sources.

If your small business is in need of a fast capital infusion for meeting payroll, inventory needs or cash emergencies – turn to the merchant cash advance specialists at US Business Finance Corp. Our experts are ready to help you with the fast application process and get your business back in top form.

While banks suffer from the repercussions of making loans to the wrong people, merchant cash advance companies continue to follow their business plan of providing cash advances to small and mid-sized businesses based on average monthly credit card sales. Without needing inexperienced financial meddling from Washington to make the situation “better”.

At a time in America’s economic history when credit is hard to obtain, even by solid business ventures that formerly had no problem accessing loans and lines of credit, merchant cash advances are providing the pressure relief valve on the capital markets. In an up or down economy, business goes on – just the pace of business adjusts to the opportunities and setbacks. Sometimes the “invisible hand” of the marketplace seems to be pushing and sometimes holding a business back.

US Business Finance Corp works with business owners to provide a capital infusion in a timely manner, only secured by promise of repayment from future MasterCard and Visa credit card sales. The amount of the business cash advance is derived from the average sales of the last several months. Differing from loans, the merchant cash advance company takes on the risk of the advance – the owner does not provide any personal or business assets or equity as collateral for this form of alternative business funding.

Merchant cash advances work as a pressure relief valve in several ways:
- the business gets a fast cash infusion to meet financial emergencies, inventory outlays or due invoices,

• the business owner does not take on additional risk to obtain the alternative funding,
• no fixed payments are due,
• no late penalties are ever charged, and
• no collection calls are ever placed.

Since the merchant cash advance is repaid with a small percent of the MasterCard and Visa credit card sales over the next six to nine months, there is no fixed payment schedule or amount. With no fixed payment schedule, the business owner can not be late making repayments – hence no late charges or collection calls!

If you are looking to improve you businesses cash flow and connect your business with a secure, trusted and readily available alternative business funding avenue, contact the small business pros at US Business Finance Corp. We explain the benefits your company receives and how easily it is to apply – and to repay. Don’t wait for the banks to fix their problems when your problems need fixing today!