When it comes to business financing, US Business Finance Corp’s merchant cash advance is the fastest way for businesses accepting Visa and MasterCard credit card to raise funds. Granted it take more than the wave of a hand, however, in the end financing arrives without assets getting used as collateral, personal credit ratings taking a hit or any threat of late notices, late payment fees pr penalties.

Visa uses the technology of a tiny chip embedded in the card and a fraud prevention layer of security to make the new method of payment swift and secure. “Extending secure, convenient and reliable Visa payments to subways, trains and buses is a great example of how Visa innovations like Visa payWave can dramatically improve the experience for millions of commuters,” said Tim Attinger, Visa Inc.’s product innovation and development head.

If leveraging your Visa and MasterCard merchant account can help your enterprise weather the current business cycle, contact the credit card processing services experts and merchant cash advance specialists at US Business Finance.

US Business Finance Corp utilizes its network of Visa and MasterCard processing services contacts to help businesses, especially high risk businesses, obtain merchant accounts. Many processing services offer great rates to businesses with rock solid financial histories, but have no place in their portfolios for start-up businesses, Internet businesses and other enterprises categorized as “high risk”. Or the processors severely penalize the businesses with very high “hold backs” – your business’s sales revenue held in reserve by the financial institution as a security against returns and reversed charges. To add insult to injury, the rate for high risk accounts is often much higher than what a credit card processing service that specializes in high risk accounts charges.

When the current economic climate hinders new businesses from getting merchant accounts or short-term financial loans, US Business Finance Corp has a two pronged assistance package: help in obtaining a merchant credit card account at the best rates, and assistance in securing merchant cash advances to fill in the gaps of your cash flow.

When looking for the open door in the credit markets, be sure to contact the alternative financing experts at US Business Finance Corp and see how our “win-win” solutions can put you in the driver’s seat of your business.

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.

The following are points to keep in mind when reviewing annuity life insurance possibilities.

1. How much life insurance to purchase?
To determine the top amount, consider the liabilities that your heirs will be faced with, such as:

• Outstanding balance on home mortgage;
• Estate taxes and any uninsured medical expenses;
• Children’s education expenses;
• Any amount you wish to invest in an income fund for your family; or
• Balances on credit cards or installment loans.

One rule of thumb is 5 to 10 times your current annual income. Then measure the packages against your monthly budget, which may dictate an initial policy that is less than optimum, but will be a good safety valve.

2. What life insurance programs are available?

Whole Life is a policy that is an insurance policy with a savings aspect. As you pay insurance premiums, you not only maintain your coverage, but the premium gains cash value. As your policy gains value, you can borrow on that amount – possibly as much as 90%. The interest rate on these loans is usually very low.

Universal Life is like a whole life policy with an potential added benefit of higher earnings on the savings component. Universal life policies are also flexible in their face value depending on if their premiums are increased, decreased or deferred. The downside to this policy is that it includes higher fees (normally 5 to 7%) and they are tied to interest rates. In certain markets your fees could go up while your interest declines.

Variable Life usually has a fixed premium and the cash value of the policy is invested under the policyholder’s direction into bonds, stocks or money market funds. The cash value and death benefits of the policy fluctuates with the value of the underlying investments. Fees on these policies are higher than Universal Life, but the taxes on all the accrued capital gains or interest earnings are deferred.

Term Insurance is the least expensive insurance for individuals less than 50 years old. The policy is written for a specific term, normally between 1 to 10 years, with the ability to renew at the end of the term. A level term insurance policy secures the premium amount for up to 30 years. At each renewal the premiums will get more expensive. A variation of the Term Insurance is a Declining Balance Term that keeps the premium the same, but the face value of the policy declines. These are used sometimes as a mortgage insurance policy. Some term insurance policies can be converted to whole life later on.

3. Where should you get your annuity insurance?

Consult with US Business Finance Corp’s experts for an objective view of various plans (and comparing insurance versus other financial investment instruments) and your particular life insurance and retirement situation.

4. Make sure your heirs, or a trusted advisor, are aware of your financial plans, so when they need the information, they know where to find it and your well laid plans can be carried out.

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!