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.

The major credit card companies in Japan and the US are pushing the new technology as safer than the prior use of credit card and PIN, since criminals had figured out how to access both PIN and the PIN encryption technology, leaving customers open to credit card fraud. The RFID technology solves the encryption hacking situation for customers and business owners.

Merchants who improve their credit card processing system to accept the new “wave” in payment services are tapping into the growing population of post-Baby boomer generations. These are consumers who demographically embrace new technologies quickly. MasterCard found that users who adopt their PayPass credit cards tend to use them as their preferred card and spending increases 28% – 42%.

Many college and high school buyers open checking accounts and never request checks – they pay bills online and use debit or credit cards for minor and major sales transactions that prior generations always paid with cash or checks. Merchants also find the reduction in cash purchases has reduced their losses from cash register shortfalls at the end of the day.

The trend to use credit cards for more purchases helps those merchants who find business cash advances profitable ways to expand their businesses and ride out economic bumps in the road. US Business Finance Corp is a cutting edge alternative business financing company offering its clients competitive rates on merchant credit card processing services and merchant cash advances.

If your business is ready to make better use of your Visa and MasterCard sales traffic, call our small business consultants for a free session to see how your business can benefit and come out ahead from our alternative business lending services.

How critical is your business support for your merchant credit card account? Too often you find out when time is of the essence.

US Business Finance Corp is a proven trustworthy financing and business services ally to small businesses and mid-size businesses with our efficient alternative business funding programs and credit card processing services. In a very competitive marketplace, USBFC recognizes that our responsive and “go the extra mile” customer service is an asset that our customers value highly. When our customers need help, we know that their time is money and that nothing less than the fastest and best customer service response is acceptable.

If you are a start-up enterprise or seeking a merchant credit card service processor with better terms, contact our merchant account specialists. We have the experience and network to bring your business the best service at the best overall price. Our responsive customer service has the track record of keeping businesses very satisfied with their merchant account experience.

For high risk businesses, USBFC specializes in getting your business the best rates and working with you and your employees to position your business for better rates in the future. Educating your employees is an investment in customer service we gladly make for our clients to minimize the chance any employee mistakes trigger penalties that affect your rates and your merchant account status. We work to see that your high risk merchant credit account serves you to improve your income streams, not create another expense and headache for you.

Contact USBFC to see what steps we can take to get you into a merchant account situation that provides you with the best customer support, overall rates, and the ability to leverage your credit card sales with a company cash advance when and if your company needs it. US Business Finance Corp builds our success on your business’s success – we enjoy the long-term business relationships we have with our customers!

US Business Finance Corp specializes in helping start-ups and other high risk merchant credit card account businesses both obtain high risk card processing services for Visa and MasterCard and train owners and employees on the best ways to improve their rates.

Training, historically, has helped owners minimize small errors that have large repercussions in their merchant ratings. Three basic training rules are:

1. Never accept foreign credit cards or suspicious card.
2. Avoid chargebacks, whatever it takes. If possible assign one person to customer service to make sure you have a satisfied customer and keep chargebacks to an absolute minimum.
3. Never run a charge for products other than the ones you sell. Offering to take a charge for a friend, regardless of how close a friend they are, may lose you your merchant account. If your credit card processing company detects a major change in your charging levels or the products you sell, they may terminate your merchant account. Once your merchant account is terminated, you will have a very hard time getting a new merchant account from any provider until five years pass.

With consistently good months of no chargebacks and no other activity that undermines your merchant account, US Business Finance Corp can work with you and the merchant credit card processing company to reduce both your rate and the amount of funds in your holdback account (funds held in reserve to cover chargebacks).

While risk in business is natural (and often the more risk the higher the potential profit return), US Business Finance Corp works with entrepreneurs to reduce the risk of higher rates and an unnecessary assessment of high risk rating. With our knowledge of credit card processing services, we can help middle risk businesses, such as auto service centers, furniture stores and computer stores better ratings.

Often financing institutions only have two rate categories – low risk and high risk. This unfairly penalizes the many in-between businesses. US Business Finance Corp finds you the best rates and fees for your small or mid-size business.

If your start-up small business or high risk business is in need of a merchant credit card account or better rates for your high risk rating, contact the Visa and MasterCard experts at US Business Finance Corp – we’ll save you money while you make money!

With the stock market devaluation and Washington’s questionable ability to have Social Security meet the surge in its retirement obligations due to Baby Boomers exiting the workforce en masse in the next decade, many business owners and their employees are looking to their own devices to assure themselves of a beneficial quality of life during retirement.

For retirement purposes, USBFC has added Private Employer Benefit plans to its financial services. Additional tools for meeting unexpected economic reversals that USBFC offers are life insurance, mortgage insurance and critical illness insurance – these help business owners’ families continue to live in their home and bills get paid should anything untimely happen to the owner.

To assist an entrepreneurs needs as well as those of their business, USBFC advisers take into account the company’s budget and needs for insurance, tax liabilities, potential areas of tax deferment, retirement plans as well as the family’s education funding and estate planning needs. USBFC views your retirement plan as a way to get the most out of your most precious asset: your time. By creating a retirement plan for you and your employees, the time you spend building your business rewards you doubly by also funding your retirement.

At USBFC, we work with you to make sure your business avoids the setbacks that employees of major corporations face when their retirement programs disappear in financial reorganizations. Entrepreneurs enjoy running small businesses in order to better control the dynamics between work and profit. Control your retirement plans and deferred compensation strategy, contact USBFC’s financial services advisers and match your business to a suitable, stable Private Employer Benefit plan today.

A Private Employer Benefit Plan (PEB) is an alternative retirement plan to the better known 401(k)s and IRAs. These non-qualified deferred compensation plans offer a legal way to fund your small business’s retirement plan with pre-tax dollars. These benefit plans work for:

• Privately held C and S corporations,
• Partnerships and limited liability partnerships (LLP),
• Limited liability corporations (LLC)
• Professional corporations, and
• Sole proprietorships.

Small business owners utilizing 401(k) plans are finding that in an economic downturn, employees stop saving in order to meet bills. With reduced employee participation their retirement plan begins to look “top heavy” to the IRS. Avoid unnecessary penalties and paying too much in taxes by talking to USBFC’s financial advisers about which of our new PEBs could work best for your business. Our retirement planning services utilize the IRS 409, 412 or 419 plans which can be funded by life insurance and fixed annuity products.

Our retirement plans keep you from unnecessarily paying out more in pre-tax funds and keep you from penalizing top-heavy 401(k) situations. Your retirement investment grows in a tax-deferred manner, making the most use of your growing retirement principal. Upon retirement, the deferred compensation you have accrued becomes your retirement income that you can use largely tax-free!

An added benefit of creating a Private Employer Benefit Plan for your company is another way to financially reward and retain your key personnel. Since some of the plans allow substantial annual contribution limits, they are very well suited to owners who are just starting to fund their retirement savings or have realized that the amount they have set aside may not be adequate in today’s volatile market.

Whether your small business is a start-up or you are a business owner desiring to quickly build equity in your retirement account, contact USBFC’s financial advisors to explore the financially rewarding possibilities a Private Employer Benefit Plan can have for you, your family and your employees.