US Business Finance Corp.

Finance Resources

Cash Advance Application

Download our Business Cash Advance Application and start your process to quickly get business working capital.

Merchant Credit Card Accounts

US Business Finance Corp assists business owners find credit card processing services, including high risk merchant accounts.

Accounts Receivable Factoring

US Business Finance can work with factoring your A/R receivables to provide your businesses needed cash!

Business Finance Frequently Answered Questions

US Business Finance Corp answering small business needs through cash advances

What Can I Use My Business Cash Advance For?

Financing for business cash advances comes from alternative, non-bank funding sources, so the funds do not carry disciplines that banks put on financing such as small business loans. In short, you can spend your cash advance funds in any way you need to. US Business Finance Corp was founded to help the under-served market of small business owners - those who need cash to resolve various working capital needs. Small businesses are using US Business Finance cash advances to invest in their businesses for additional marketing, structural renovations or expansions, or debt consolidation.

Companies benefite with working capital from cash advances

See also Business Cash Advance Basics

Q. Why are you coming to me when I can get money from anyone else?
A. Our company gives money to businesses that choose not to go to the bank, friends, family, or use their personal assets.

Q. What if I am unable to pay the money back in the time allowed?
A. Our hope is that your business will be so successful allowing you to complete the program in just 6 months. If it takes longer, that's OK. We want to anticipate success and not defeat.

Q. Can a lien be put on my personal property?
A. No, and as a matter of fact we do not ask for a personal guarantee. Any authorization for paperwork is completed by the owner. We believe that the business should pay for the money itself. Is that fair?

Q. What are the fees?
A. You pay from your daily Visa/MasterCard receipts. We advance ONE or TWO times your total monthly Visa/MasterCard receipts. Based on the amount advanced, the repayment of the (fee and advance) is usually 20% of the daily Visa/MasterCard sales. Keep in mind that we don't touch your cash, checks, American Express, Diners Club, or Discover transactions. Our Operations/Underwriting team will provide the final written quote to you. Our programs usually run from 6-8 months.

Q. How long does it take for me to receive the money?
A. Our program usually takes 7-10 business days before we can wire the money to your business checking account. It depends on how fast you are able to submit the requested information such as your, bank statements, lease or landlord data, and proof of business ownership. This is an UNSECURED financial transaction.

Q. Where does the money come from?
A. Our funding company receives their dollars either from a bank or a private investment company such as Goldman Sachs.

Q. Do I have to report how the money will be used?
A. It is our hope that you use the money to help better your business. We do ask for initial thoughts on how you plan to use the money. However, the final choice is yours alone.

Q. What if the business does cash only?
A. All of our clients use their credit card processing to repay the advance. If you need processing services, we can help you get that set up.

Q. How would I get the process started?
A. Please complete the 3 minute application and fax the statements to 303-688-8842. Once we receive this information our Operations/Underwriting department will contact you to provide you with your customized quote and answer any additional questions you have.

Q. Can I repay the advance early? Is there a penalty for an early repay? A. Our program allows you to pay early with no penalty and in some cases our merchants have enjoyed a discount or a reduction on the fee.

Business cash advances on your future credit card sales

See also our Business Cash Advance Benefits

Q. How does this program work?
A. We put cash in your hands quickly by giving you an advance on your business's future credit card sales. Funds are deposited directly into your account electronically, and repayments are flexible. Once approved, you usually have access to your cash within 7 business days. That's rapid!

Q. How do I qualify for my cash?
A. Our qualifying requirements are extremely easy! You've been in business for at least one year. Your business accepts credit card payments, and that you have at least $2,500 a month in Visa and MasterCard sales. You meet our basic underwriting requirements.

Q. What if I already have a business loan?
A. Our product is an advance, not a loan. As long as you meet our requirements, we can still provide you with immediate cash, without affecting your other obligations.

Q. Does this cash advance program need to look at my personal credit history, and will it affect my credit report?
A. Our business-friendly scoring method includes a review of your personal credit, but it does not require personal guarantees, and will not affect your credit report.

Q. What is the cash advance amount limit?
A. Every business is unique. We will determine your amount limit based on your average monthly credit card sales. There are no requirements for minimum transaction volumes. We generally fund from $2,500 to $150,000 and in certain cases up to $1,000,000.

Q. How are my payments determined, and what is the finance rate charged for this service?
A. The best thing about our cash advance program is that there are no fixed payments. WE ONLY GET PAID WHEN YOU MAKE A CREDIT CARD SALE. The money you receive is an advance against your estimated future monthly sales. There is no finance charge. We simply take a previously agreed upon percentage of your future sales until your account with us is settled. It's that simple.

Q. How do I keep track of my payments?
A. You'll receive a monthly statement. In addition, with a member password, then soon you will be able to log onto a website to view your payment history, track your daily transactions and see your remaining unpaid balance.

Q. Does this advance affect my other business ventures? Can I include my other business to get a larger cash advance? If one of my companies fail does this affect my cash advance?
A. Each business is its own legal entity and our Underwriting team will address any legal questions.

Q. How do I get started?
A. Call us to day at 877-233-5777 to apply over the phone, or visit our website at to fill out an online application.

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