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.

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!

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.