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.

With the reverberations of the huge “market corrections” affecting many IRA and 401(k) retirement plans, business owners are finding annuities tied to their retirement plan can distance them from the gyrations of the stock market.

USBFC works with business owners to assist in planning a financial strategy that includes a retirement plan or a Private Employer Benefit plan for accruing and distributing a small business owner’s or their employees’ retirement savings with a tax deferment on any increase in the investments. Annuities combined with related IRS retirement programs offer several methods of building equity faster than traditional 401(k)s. Each business owners’ financial needs and situation are different, so the financial advisers at USBFC take the time to match your needs and your business to the best retirement plan.

Annuities come in two variations: an immediate annuity or a deferred annuity. State law regulates annuity contracts since they are contracts issued by life insurance companies, but defined by the Internal Revenue Service for how they are handled for federal tax filings. Annuities, like certain insurance policies, have two phases: clients initially pay into an account and accumulate equity (deferral phase) followed by the period when the client receives disbursements from the account for a predetermined time period (the annuity phase). Contracts with a very short funding period and a long payment period are known as “immediate annuities”.

Deferred annuities come in two styles: fixed deferred annuity and variable annuity.

A fixed deferred annuity means the growth of the underlying investment vehicle is tied to something stable like an interest rate. A variable annuity is one where the investment may be in stocks or bonds. In variable annuities, the principle is not guaranteed and, similar to any investment in the market, the account could possibly lose value (do worse than a fixed deferred) or gain value at a greater rate than it would have if simply tied to an interest rate.

The tax advantage for small business owners and employees is that the tax-deferred compounding of any capital gains allows for a faster and greater accumulation of wealth. Contact our financial advisers to see the potential benefits your business and employees receive from our insurance, annuity and retirement plans.

As recently reported in the Washington Post, “Small businesses are ‘getting hit from both sides,’ said Sandy K. Baruah, acting administrator of the SBA, because even the companies that have long relationships with financial institutions and are in solid financial condition are no longer getting new loans approved and are having existing lines curtailed.”

Fortunately for many small business owners, they have been able to make productive use of merchant cash advances. Where traditional loans seek low-risk business opportunities and full collateralization of the loan, merchant cash advance companies take on the risk of the advance and, instead of collateral, use the pledge of a percent of future Visa and MasterCard sales to secure repayment.

As an alternative business financing avenue, business cash advances do not have a set pay-off date or a fixed schedule of payments. This frees business owners from the worry of late payments and their attendant charges and penalties. The increase or decrease in sales simply speeds up or slows down respectively the final pay-off of the advance.

What many merchants most appreciate about business cash advances is the fast application, approval and funding timeline. First-time business owners are usually approved and funded in less than two weeks. No large financial paperwork with the added expenses of working with accountants needs to be prepared.

US Business Finance Corp has helped many businesses meet their operating capital emergencies or cash flow shortfalls. Contact our small business financing specialists to apply for your merchant cash advance. Don’t let the tight credit markets ruin the end of your year!

Commercial equipment leasing financial institutions secure your lease with the purchased repair equipment used as collateral. With our merchant cash advance, you use a portion of your future Visa and MasterCard sales to obtain the purchasing funds upfront – no collateral, no personal guarantee, no major changes to your Balance Sheet. Often auto repair shops find the new equipment allows the work flow to go faster, creating more sales that pay off the cash advance well within the usual 6 to 9 month repayment period.

Since your equipment is purchased with a cash advance and not a lease or a loan, there never is a late fee, late payment, fixed payment schedule or interruptive phone calls looking for payment. Since a US Business Finance Corp merchant cash advance is not repaid from your auto repair shop’s cash flow from insurance companies, clients’ cash payments or payments from American Express or Discover credit cards (these payments go 100% to your meet your cash needs) only a percentage of a portion of your income is used to repay the cash advance.

The speed with which US Business Finance Corp responds to your merchant cash advance application means your repair shop can proceed quickly to get new repair equipment, advertising or pay upcoming bills, like quarterly IRS payments, on time. Our rapid approval and cash advance process usually takes less than ten business days. Once your merchant cash advance is approved, the money is transferred directly to your auto repair shop’s bank account.

Contact the merchant cash advance experts at US Business Finance Corp and see how our alternative business financing can assist you in meeting your company’s working capital needs better than traditional loans and commercial equipment leasing options.

US Business Finance Corp’s customer service begins with offering very competitive rates on Visa and MasterCard merchant credit card processing services. With our credit card processing services comes the ability to collect cash on future credit card sales. The benefit of a merchant cash advance over a traditional loan is owners do not have to offer assets of the hair salon or their home as collateral to secure the funds. Since the cash advance is a sale of future hair salon credit card transactions, not a loan, their is no fixed end date, no late fees and no monthly lump sum due – the payments are made a little bit at a time out of a percentage of the sale.

A business cash advance performs better for the hair salon owner than cash advances on their credit card since the fee for our merchant cash advance is a fixed amount. US Business Finance Corp takes on the risk of the merchant cash advance. Owners who rely on their credit cards for cash advances not only pay high interest rates, but, if they don’t pay off the credit card advance quickly, end up paying a very high dollar amount of interest since the credit cards do not demand the principal of the advance get paid in a timely manner. You may end up paying your personal or business credit card company 2 or 3 times the amount of the original advance versus the fixed amount of a merchant cash advance!

If you are ready to stock your hair salon with inventory for the coming holiday season or are looking to buy more equipment or advertising to expand business, rely on US Business Finance Corp to get you a merchant cash advance that helps you meet your financial and business goals. Contact our small business alternative financing experts today to see what business cash advances can do for your hair salon!

First, recognize we are comparing apples to oranges. With a traditional loan, a bank charges a merchant interest for the use of their money. The hallmark of a loan is that the borrower bears most of the risk, the payments are fixed amounts paid over a fixed amount of time. By law, the bank must notify the borrower of the annual percentage rate (APR).

With a business cash advance, the business transaction is a sale, not a loan. The merchant sells future credit card sales (only the Visa and MasterCard sales with US Business Finance Corp) and the cash advance company charges a fixed fee. Two critical differences between a sale and a loan is the sale has no fixed payment period and never charges a late fee. The cash advance company bears the risk in the transaction, not the borrower. Since the alternative funding company bears the risk, they can be more lenient in both the merchant’s credit score and length of time in business – a boon to start-up businesses.

Since a merchant cash advance does not have a fixed pay-off period, (they average 6 to 9 months to pay off) we can only figure what would be a comparable annual percentage rate once it is paid off. However, right up front we can compare loans to cash advances in terms of the dollar cost of the money.

For example, if you obtain a 5 year $10,000 loan at 10% interest, you would pay $2,748 for the use of that money over the five years – not including any late payment fees. You would need to show the bank in-depth financial information, attach a personal guarantee, use personal or business assets as collateral, and the loan would affect your credit score.

If you received a $10,000 business cash advance, you would pay about $2,400 for the money, receive it quicker, not have any personal risk, personal guarantee or collateral on the line. Your balance sheet and credit score would not be affected.

Banks and lending institutions use credit cards to make outrageously expensive loans and cash advances to consumers and business owners by guiding their eye to the interest rate and keeping you from looking at the actual dollar cost of the credit. If you have a credit card charging you 14%, but you only pay a little on the balance over the course of time, the dollar cost of $10,000 in credit is astronomical.

US Business Finance Corp has a great record assisting our business customers and merchants with cash advances. Keep the dollar cost of your cash infusions down by considering our merchant cash advance solution. Contact our business cash advance specialists today!