US Business Finance Corp.

Finance Resources

Cash Advance Success Rate

US Business Finance assists business owners to get working capital by selling their future credit card receipts. We have an 94% acceptance rate for our cash advance program.

Cash Advances in Tight Markets

US Business Finance Corp actively seeks business owners who need to increase their working capital FAST. We listen to your needs and provide you with viable, realistic, financial solutions for your cash needs NOW.

Alternative Business Financing

US Business Finance helps small business owners put their business plans into action by utilizing alternative business funding sources.

Business Cash Advance Application Questions & Answers

What Can I Use a Business Cash Advance For?

Through the course of providing merchant funding to a new client, we were asked if the money we were providing could be used to pay off a pending IRS lien. We explained that because the money we were providing her was from non-traditional, non-bank funding sources, she could spend the money in any way she determined.

US Business Finance Corp exists to assist the under-served market of small business entrepreneurs: those who need cash to resolve various working capital needs, including outstanding obligations with the IRS. Small businesses across the US are using our cash advance financing to invest in their businesses for additional advertising, building renovations and expansions, or consolidating debt.

Business cash advances answers

How Do Merchant Cash Advances Work?

A merchant cash advance is based on the strength of your future credit card receivables. In simple terms, you are selling your future credit card sales for immediate cash.

Here is How it Works

For every $1 borrowed the merchant repays $1.30 to $1.39 over a 4 to 6 month period. A small percentage of the merchant's MasterCard and Visa transactions are deducted from the merchant account to offset the charges of the Cash Advance. Should the monthly processing be less than the calculated percentage holdback, the weekly difference will be ACH'd from their business checking account.

Here is an example of a week's worth of Visa/MasterCard Sales and the resulting payments.

A Cash Advance Amount is based on the average monthly Visa and MasterCard sales and the merchant's need for capital. It is limited by the merchant's ability to pay back the advance in no more than 6 months with no more than a 30% holdback percentage.


A Merchant averages $10,000 in monthly MC and V sales and needs to borrow $12,500 for capital improvements.

Cash Advance Payback is calculated by multiplying the total Advance Amount by 1.30, then dividing by 6 (number of months to payback) to determine the monthly amount of /MC credit card receivables that need to be collected.

$12,500 X 1.30 = $16,250 (Payback Amount) & divide by 6 (no. of months) = $2,708.33 (monthly payback)

Cash Advance Percentage [%] Holdback Rate is calculated on the Merchant's monthly payback, divided by the average monthly MasterCard and VISA sales. This percent is the reserve captured on each MC/V batch transaction.

$2,708.33 ÷ $10,000 (avg. MC/V sales) X 100 (to get percentage) = 28% (MC/V batch reserve)

Receiving your Cash Advance amount occurs 3 - 5 days after the terminal is installed and we confirm funds are flowing correctly. The Cash Advance funds are sent electronically by ACH to your Merchant's bank account.

How Can I Get Started in the Process?

Fill out our Cash Advance Application and fax it to us. We will quickly get back to you on any additional steps that need to be taken. If you wish to contact us directly, please call 1-877-233-5777. We look forward to working with you.