Archive for November, 2007

Merchant Cash Advances-Holiday Cash for Retailers

Wednesday, November 28th, 2007

Merchant Cash Advance strategies for short-term working capital management are often overlooked because of an apparent preference for long-term business financing. Although long-term business loan options are frequently appropriate, there are several short-term working capital management possibilities that will be much more effective for business owners in achieving successful business financing results. One of the most overlooked short-term working capital financing strategies are merchant cash advance programs.

Merchant Cash Advances - SHORT TERM WORKING CAPITAL MANAGEMENT For any business that accepts credit cards as a method of payment, a merchant cash advance is a critical business financing tool that is often overlooked. Even thriving businesses frequently need more working capital than they can borrow from a bank. One of the least-known merchant financing strategies for successful businesses is potentially the single best working capital management strategy for obtaining needed cash for growing their business: the use of a merchant cash advance program.

The most likely candidates to benefit from this working capital loan strategy are retail stores, service businesses, restaurants and bars. The highly-recommended and highly-effective working capital financing strategy uses an under-utilized business asset (credit card receivables) to obtain merchant cash advances based upon a merchant’s sales volume.This working capital management strategy is also known as “credit card factoring”.

Many businesses have relied upon a working capital financing strategy called “receivables factoring” or “receivables financing” which allows them to sell their future receivables at a discount. Most small businesses cannot adequately document their receivables in order to qualify for this kind of business financing. Many other small businesses (such as restaurants, bars, retail stores and service businesses noted above) simply do not have such receivables to rely upon as a commercial financing tool.What these businesses do have in many cases is documented sales volume and documented credit card sales activity. It is this documented level of sales volume and credit card sales activity that becomes a financial asset to the business and its business financing strategies.

Merchant cash advances from $5,000 to $1,000,000 can usually be obtained based on a merchant’s sales volume and future credit card sales. The business financing time period covered by a merchant cash advance is typically 12 months or less. For businesses that desire to continue the merchant cash advance program beyond this period, it is usually an easy matter to get an additional business cash advance once the initial one has been completed. Typically in 48 hours.

As with any successful business financing strategy, there will typically be only a small handful of  lenders who are effective at implementing this working capital management strategy properly. There are also a number of problems to be avoided with merchant cash advance programs, so choosing the appropriate provider of this business financing service is extremely important to any business owner considering a business cash advance program.

Dan Ollman is the CEO and President of Crown Financial Services, Inc.Crown Financial Services, Inc. is based in Nevada and provides assistance in obtaining working capital up to $1,000,000, in 5-7 business days, using credit card receivables for bars and restaurants, retail stores and service businesses.   Call now for a free no cost no obligation consultation, (702) 367-3281.Or visit us at (www.crownfinancialservices.net) and download a free booklet, “Ten ways to get working capital for your business”. 

Credit Card Factoring-Fast Cash for Businesses

Wednesday, November 28th, 2007

One of the very best ways to quickly obtain capital for small business is also one of the least known. It’s called credit card receivables funding. Often referred to as credit card factoring. It is a very unique solution for those who need a quick infusion of money now. Every small business needs capital at some point. Even very successful small businesses looking to expand. Small business loans are unavailable from traditional lenders such as banks to over 90% of all small businesses for various reasons including insufficient time in business, no collateral and less than perfect credit. Small business owners seeking cash for working capital — look no further. Inquire about a credit card receivables funding. 

This type of funding utilizes an asset that is unrecognized by traditional financial institutions — a steady stream of credit card sales — to determine the financial viability of a business. Capital advances are based on the predictability of a company’s future credit card sales. Yes, a credit card receivables funding for your business may be just what you’ve been looking for. According to the latest statistics from Equifax, there are more than 18 million small businesses in the

US. A high percentage of those small business owners are digging into personal savings, taking out home equity loans, borrowing from family and friends and running up credit card bills as forms of financing.  Credit card factoring companies can help small business owners avoid these financial black holes through purchasing a fixed amount of the businesses future credit card sales, at a small discount, and in turn, providing them with a lump sum of working capital.   What these small businesses have in many cases is a documented credit card sales history. It is this documented level of sales volume and credit card sales activity that becomes a financial asset to the business. Collection of the purchased credit card sales occurs automatically through the credit card processor, which sends the credit card factoring company a fixed, predetermined percentage from each credit card sale. The seamless integration of processing and working capital is a natural fit and an obvious benefit to businesses and organizations seeking additional products, revenue and residual streams.  

This type of business cash advance typically varies from $2,500 to $1,000,000. Small businesses will frequently benefit from converting future cash flow into immediate working capital. The most likely candidates to benefit from this strategy are restaurants, bars, service businesses and retail stores. These loans can be used for expansion, buying out a partner, advertising, payroll, emergencies, anything related to business.

Credit card factoring companies work with both established and expanding businesses to provide working capital to companies in the small-to-medium-sized range who have difficulty securing funding from traditional financial institutions or prefer a funding option that aligns with their cash flow. Working capital can be in the hands of the business owner in 7-10 days.  Daniel Ollman is the CEO and President of Crown Financial Services, Inc.( dano@crownfinancialservices.net ). Information about a free no cost no obligation consultation is available at (www.crownfinancialservices.net)  Crown Financial Services, Inc. is based in Nevada and provides assistance in obtaining working capital up to $1,000,000 per location, in 7-10 business days, using credit card receivables for bars and restaurants, retail stores and service businesses.

Credit Card Factoring and Cost Reduction Benefits

Monday, November 12th, 2007

A merchant cash advance (obtained through credit card processing and credit card factoring) is a vital working capital management tool that can be easily overlooked.

Even flourishing merchants regularly need more financial wherewithal than they can get from a local bank or savings and loan. However, what is usually even more overlooked by many businesses is a unique opportunity to decrease their credit card processing expenses at the same time that they obtain a working capital cash advance via credit card factoring.

Credit card factoring is an outstanding business finance alternative to consider when a merchant is seeking a short-term business loan. As with most successful working capital loan strategies, credit card factoring included, there will typically be only a handful of lenders that are effective at properly executing the combined business financing tasks. Crown Financial Services is one of them. They are leaders in the credit card factoring advance industry.

Your choice of a credit card processing provider is extremely important to your overall business. One of the major working capital management reasons for evaluating credit card processing and credit card factoring in this combined fashion is that the low-cost producers of the best credit card factoring programs are likely to be utilizing the best and lowest-cost credit card processing producers.

In most cases, the lowest-cost and best providers of credit card processing and credit card factoring will not be available to an average business other than in conjunction with a working capital plan that includes both processing and credit card factoring financing. But the benefits realized from the integration of these two key working capital management programs should be worth the efforts of combining them.

Businesses should not overlook the substantial business finance benefits which will accrue to their business by effectively coordinating credit card factoring and the credit card processing.

Merchant Cash Advances and Credit Card Processing Cost Reduction

Monday, November 12th, 2007

A business cash advance (obtained through credit card processing and merchant cash advances) is a vital working capital management tool that can be easily overlooked. Even flourishing merchants regularly need more financial wherewithal than they can get from a local bank or savings and loan.

However, what is usually even more overlooked by many businesses is a unique opportunity to decrease their credit card processing expenses at the same time that they obtain a working capital cash advance via merchant cash advances. Merchant cash advances are an outstanding business finance alternative to consider when a merchant is seeking a short-term business loan.

As with most successful working capital loan strategies, merchant cash advances included, there will typically be only a handful of lenders that are effective at properly executing the combined business financing tasks. Crown Financial Services is one of them. They are leaders in the merchant cash advance industry.

Your choice of a credit card processing provider is extremely important to your overall business. One of the major working capital management reasons for evaluating credit card processing and merchant cash advances in this combined fashion is that the low-cost producers of the best merchant cash advance programs are likely to be utilizing the best and lowest-cost credit card processing producers.

In most cases, the lowest-cost and best providers of credit card processing and merchant cash advances will not be available to an average business other than in conjunction with a working capital plan that includes both processing and merchant cash advance financing. But the benefits realized from the integration of these two key working capital management programs should be worth the efforts of combining them.

Businesses should not overlook the substantial business finance benefits which will accrue to their business by effectively coordinating merchant cash advances and the credit card processing.

Credit Card Factoring: Holiday Season Money for Retailers

Friday, November 9th, 2007

One of the very best ways to quickly obtain capital for small business is also one of the least known. It’s called credit card factoring. Often referred to as a merchant cvash advance. It is a very unique solution for those who need a quick infusion of money now. Every small business needs capital at some point. Even very successful small businesses looking to expand. Small business loans are unavailable from traditional lenders such as banks to over 90% of all small businesses for various reasons including insufficient time in business, no collateral and less than perfect credit. Small business owners seeking cash for working capital — look no further. Inquire about a credit card factoring. 

Credit card factoring funding utilizes an asset that is unrecognized by traditional financial institutions — a steady stream of credit card sales — to determine the financial viability of a business. Capital advances are based on the predictability of a company’s future credit card sales. Yes, a credit card factoring advance for your business may be just what you’ve been looking for. According to the latest statistics from Equifax, there are more than 18 million small businesses in the

US. A high percentage of those small business owners are digging into personal savings, taking out home equity loans, borrowing from family and friends and running up credit card bills as forms of financing.  Credit card factoring companies can help small business owners avoid these financial black holes through purchasing a fixed amount of the businesses future credit card sales, at a small discount, and in turn, providing them with a lump sum of working capital.   What these small businesses have in many cases is a documented credit card sales history. It is this documented level of sales volume and credit card sales activity that becomes a financial asset to the business. Collection of the purchased credit card sales occurs automatically through the credit card processor, which sends the credit card factoring company a fixed, predetermined percentage from each credit card sale. The seamless integration of processing and working capital is a natural fit and an obvious benefit to businesses and organizations seeking additional products, revenue and residual streams.  

This type of business cash advance typically varies from $5,000 to $300,000. Small businesses will frequently benefit from converting future cash flow into immediate working capital. The most likely candidates to benefit from this strategy are restaurants, bars, service businesses and retail stores. These loans can be used for expansion, buying out a partner, advertising, payroll, emergencies, anything related to business. 

Credit card factoring companies work with both established and expanding businesses to provide working capital to companies in the small-to-medium-sized range who have difficulty securing funding from traditional financial institutions or prefer a funding option that aligns with their cash flow. Working capital can be in the hands of the business owner in 7-10 days. 

Daniel Ollman is the CEO and President of Crown Financial Services, Inc.( dano@crownfinancialservices.net ). Information about a free no cost no obligation consultation is available at (www.crownfinancialservices.net) Crown Financial Services, Inc. is based in

Nevada and provides assistance in obtaining working capital up to $300,000, in 7-10 business days, using credit card receivables for bars and restaurants, retail stores and service businesses.  

Merchant cash advance fundings

Monday, November 5th, 2007

Merchant credit card processing is often a problem for merchants yet an issue rarely looked at. A valuable merchant cash advance funding can reduce or eliminate many merchant credit card processing problems by implementing a well seasoned, appropriate cost reduction vendor well versed in credit card factoring/merchant cash advance programs. 

A merchant cash advance funding can produce dual business benefits by eliminating credit card processing problems and providing improved cash-flow.  

For any business that accepts credit cards as a method of payment, a merchant cash advance funding is a valuable working capital financing tool that is often overlooked. Even thriving businesses frequently need more working capital than they can borrow from a bank. However, what is typically even more overlooked by many business owners is the opportunity to reduce their credit card processing costs at the same time that they obtain a merchant cash advance funding. 

A merchant cash advance funding is an important option to consider when a business is seeking short-term unsecured business financing and an improved approach to credit card processing. Unfortunately there are a number of problems to be avoided with credit card processing and merchant cash advances. As with any successful business financing strategy such as merchant cash advance, there will typically be only a small number of lenders who are effective at implementing the credit card processing and a merchant cash advance funding strategy properly. 

Because of this, the cautious choice of a suitable provider of credit card processing and merchant cash advance funding is extremely important to any business owner that accepts credit cards.  

For business owners either unhappy with their current credit card processing services or simply wondering if cost improvements are viable, a merchant cash advance funding should be considered.  

One of the primary reasons for evaluating credit card processing and a merchant cash advance funding in this coordinated fashion is that the low-cost producers of the best merchant cash advance programs will almost certainly be using the best and lowest-cost producers of credit card processing services. In many cases, these providers of credit card processing are simply not available to the average business owner other than as part of a working capital management plan encircling both a merchant cash advance program and credit card processing. 

Business owners should not lose sight of the substantial benefit which might build up to their business by successfully combining credit card processing and a merchant cash advance program.  

Cost reduction and improved cash flow are primary goals of many business owners and the proper coordination of credit card factoring and credit card processing should accomplish both of these difficult goals simultaneously. 

Credit card factoring and merchant processing services

Monday, November 5th, 2007

Merchant credit card processing is often a problem for merchants yet an issue rarely looked at. A valuable credit card factoring program can reduce or eliminate many merchant credit card processing problems by implementing a well seasoned, appropriate cost reduction vendor well versed in credit card factoring. 

A credit card factoring program can produce dual business benefits by eliminating credit card processing problems and providing improved cash.   For any business that accepts credit cards as a method of payment, credit card factoring program is a valuable working capital financing tool that is often overlooked. Even thriving businesses frequently need more working capital than they can borrow from a bank. However, what is typically even more overlooked by many business owners is the opportunity to reduce their credit card processing costs at the same time that they obtain a credit card factoring program. Credit card factoring is an important option to consider when a business is seeking short-term unsecured business loans and an improved approach to credit card processing. Unfortunately there are a number of problems to be avoided with credit card processing and credit card factoring programs. As with any successful business financing strategy such as credit card factoring programs, there will typically be only a small number of lenders who are effective at implementing the credit card processing and credit card factoring strategy properly. 

Because of this, the cautious choice of a suitable provider of credit card processing and credit card factoring is extremely important to any business owner that accepts credit cards.  

For business owners either unhappy with their current credit card processing services or simply wondering if cost improvements are viable, a credit card factoring program should be considered.  

One of the primary reasons for evaluating credit card processing and credit card factoring in this coordinated fashion is that the low-cost producers of the best credit card factoring programs will almost certainly be using the best and lowest-cost producers of credit card processing services. In many cases, these providers of credit card processing are simply not available to the average business owner other than as part of a working capital management plan encircling both credit card factoring and credit card processing. 

Business owners should not lose sight of the substantial benefit which might build up to their business by successfully combining credit card processing and credit card factoring.  

Cost reduction and improved cash flow are primary goals of many business owners and the proper coordination of credit card factoring and credit card processing should accomplish both of these difficult goals simultaneously.