This week I’m enjoying the holidays on the relaxing shores of the Gulf of Mexico. All I have to keep me company is: the sun’s delightful warmth, miles of soft white sand in every direction…and my laptop (of course!). It’s not a bad way to spend the latter half of December, wouldn’t you say? Ten years ago when I attended graduate school here in Tampa Bay, I took all this delightful weather for granted, and resented the “snowbird” tourists from the upper Midwest and Canada. I mean, they had some nerve invading my quiet southern town, adding to the congestion, and making me even later for class than I already was!

I really should have thanked them though. A report by the Tampa Bay Convention & Visitors Bureau reports that the estimated 18,000,000 winter tourists that came to town in 2005 alone spent over $3 billion, and were responsible for employing 46,000 people.

That got me thinking about the advantages of running a seasonal business. Imagine owning a charming hotel or seaside grill during the busy tourist season. You’d work maybe six months of the year, and then you could close down for months at a time during the off-season and just enjoy life with all the cash you earned. Perhaps you want to improve your small business, and take that long vacation to renovate or expand your proprietorship, thus allowing you to emerge even bigger and better than ever for your valued customers!

Unfortunately, during these troubled economic times, taking out a bank loan seems to be next to impossible. And even if they approve you, there’s still have a fixed time period in which to pay it back. While you’re sure that repayment won’t be a problem during the busy season, it could create quite a hardship over long breaks when your business generates little to no revenue.

Enter Merchant Credit Advance.

Go ahead, check them out! You’ll find answers to most of your questions online by going to www.merchantcreditadvance.com, or you can speak with a friendly, knowledgeable consultant at 1-800-503-1146. (Yes, the call is free, and yes, you will speak to a person!)

Apply online by clicking here.

You can request anywhere from $5,000 to $1,000,000 in business capital, and get that cash in a matter of days! We don’t require any personal collateral up front, either. We’ll simply grant you an advance based on your future Visa and MasterCard sales. This type of system is advantageous to typical bank loans because the more you make, the quicker you’ll actually pay off your advance. And conversely when cash is at a premium during the slow seasons, you’ll pay less, because you’re earning less.

Feel free to leave your comments about your experiences as a seasonal business owner, or about how Merchant Credit Advance helped you out. Have a wonderful holiday and New Year. (I’m going to get back to some more winter sun worship!)

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The current credit crisis is seemingly in full swing with more and more problems occurring everyday in “credit land.” Several positives and negatives are likely to come of the credit crunch as financial institutions continue to falter.

Everyone’s talking about how difficult it is for the small business to get a loan or other funding from a bank. It’s practically tradition for small- and medium-sized businesses to be given a hard time when requesting loan services from traditional financial institutions, but it’s especially tough for restaurants and retail establishments. Imagine trying to get a loan now. Banks don’t want to loan to anyone, much less businesses with less guarantee, so to speak. Seems like everyday new mergers are mentioned leaving less bank options for these small businesses to go to for help.

This has created an incredible need for merchant cash advances, because it’s the perfect alternative to traditional lending and is perfect for small businesses needing a little extra cash.

The merchant cash advance will emerge stronger than before the credit crisis. For those small- and mid-size businesses who’ve been turned away by other lending sources, either recently or farther back in the past, consider applying for a merchant cash advance. It’s the perfect way to get that extra money you need to improve your business—and we don’t discriminate against the little guys!

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Starting up a business is often much more difficult than people imagine. It requires a lot of time, dedication, and money. Typically, money is one of the biggest factors in determining whether a business will reach its full start-up potential, or if it fails to even get off the ground. Expenses add up, and before you know it, all that money you saved just for this purpose is already gone.

Business start-up capital, or the money that you have when you begin a business, is one of the most important things to think about before you embark on this often treacherous journey. It’s easy to imagine that you’ll just use some savings to pay for the office space (wow, rent’s expensive, too), stock it with the supplies that you need, hire a couple employees, and simply begin to make money. Unfortunately, businesses don’t work that way, which is why business start-up capital ends up being very critical to you. Without the right business start-up capital you’ll find you’re out of luck.

This is where a merchant cash advance can really come in handy.

Find a good lender, like MerchantCashAdvance, who can help you out. At www.merchantcashadvance.com, you can get information about the various types of business start-up capital that are offered, and you can work with your lender towards making the best decision for your needs. This will help you make the best decision regarding which type of loan you’d like and how long it will take you to get the cash.

Check us out and see what you think. It’s very likely you’ll realize that a merchant cash advance is perfect for your start-up needs and that we’re the company to help!

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Small business loans are often difficult to obtain for many aspiring female entrepreneurs. Many potential business owners, especially women, have marched into a bank with a dream, a stellar business plan, and the notion that no bank would turn down such a fantastic business venture, only to leave the bank disappointed, searching for other avenues of credit.

Even established female-owned businesses often have difficulty obtaining expansion loans and lines of credit. Women frequently encounter more hurdles than men do when applying for a small business loan. Small business loans for women are often denied by traditional lenders based on a number of factors that more frequently apply to female business owners.

The absence of a solid credit and employment history can derail small business loans for women. Many women who have spent years raising children and working as homemakers have not had opportunities to establish personal credit histories. Frequently, the credit cards and payment histories are in the husband’s name. Women are also often unable to show a long-standing and reliable work history. Despite these facts, however, many women have been successfully running small businesses for years and managing their household finances, even where traditional banks just see zero credit and a spotty work history.

Another alternative source of funding is borrowing against future credit card transactions. An established, female small business owner can often qualify for a cash advance secured by future credit card receivables. This funding is typically available to a small business owner who can demonstrate monthly credit card processing amounts of at least $3,000 to $5,000 over a period of 12 months.

Merchant Cash Advance is here to help women entrepreneurs succeed in building their dream businesses.

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Welcome to the official blog site of Merchant Cash Advance and Merchant Credit Advance! The purpose of this blog site is to offer valuable information to our readers on alternatives to small business loans. Through MCA, our clients are able to obtain working capital that provides them with the quick cash they need to improve their businesses.

The realm of finance is not new to us. For years, we have been a leader in student loan consolidations. But due to the recent changes in student loan legislation, we have redirected our focus from helping students save money to helping small business owners get money! As veterans in the world of finance, we have a strong team of experts who work to help our clients receive the working capital that they need in a fast, efficient manner.

Because we are not a traditional lending institution, our clients can avoid the hassles that are associated with applying for bank loans. We do NOT require: tax records, business profiles, collateral, personal financial statements from owners or partners, or years of business financial statements.

To learn more about MCA and how we can work for you, please visit: www.merchantcashadvance.com or www.merchantcreditadvance.com today! And keep checking back to our blog for the latest in the world of cash advance and finance options!

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I brought some holiday cheer the other day to a friend of mine who was bummed about the economy. He owns a small advertising company and, as is the case with everyone these days, he’s been experiencing losses, forcing him to lay off a few employees. I told him to speak to the experts at Merchant Cash Advance to get him through these tough economic times.

“Yeah, I’ve heard of those places, they loan you a bunch of money, and then you spend the rest of your life paying it back. And besides I don’t generate enough revenue to even qualify for one. No thanks,” he huffed.

I told him that nothing could be farther from the truth. First of all, the friendly, knowledgeable staff at Merchant Cash Advance is here to help by giving you all the information up front. They’re not out to make a buck, they’re out to help your small business succeed. It’s a win-win situation for everyone.  Check them out at www.merchantcashadvance.com if you’re skeptical.

“But they won’t want to deal with the ‘small people’ like me,” he asked me with a hint of interest in his voice.

I explained that he was wrong again. In fact, any small to mid-sized company that’s been in existence for the past 12 months, generates $3000 a month in credit card transactions, and has struggled in the past to obtain financial support and/or has little to no collateral qualifies for a loan of between $5,000 to $150,000!  Additionally, there are no closing costs, origination fees, collateral, or cosigner requirements, and after approval, those funds are wired into your business checking account in 10 to 14 days. That’s it.

“Really? Well this sounds a little too good to be true. How long do I have to pay the loan back? I’m short on cash now, but when the economy improves I’ll be fine. But who knows when that’s going to happen?”

I advised him that there’s no fixed time frame for repayment. The folks at Merchant Cash Advance simply create an automated system through which they’ll retrieve a specified percentage of your future Visa and MasterCard sales.

“But…um…” he stumbled.

“But nothing!” I answered. “Call Merchant Cash Advance at 1-800-503-1146 or visit their website at www.merchantcashadvance.com where you can fill out an online application form to get the scoop on how to get fast cash for your small business!”

My friend did end up getting the money, and thanked me for the pep talk. So if you’re a small business owner, heed my advice and give Merchant Cash Advance a try, you’ll be glad you did.

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If you were wondering about who exactly qualifies for a Merchant Cash Advance, I’m going to use this time to break it down especially for you—the small- to mid-sized business owner.

Remember, you can view these qualifications at a glance by visiting www.merchantcashadvance.com, and clicking on the blue “LEARN MORE” button in the middle of the page. Or you can simply click here.

If…

…you’ve struggled to get a bank loan.
If you’ve played the “Applied & Denied” game a little bit too long, or simply don’t want to jump through the hoops that your bank has mandated, then remember— Merchant Cash Advance is here as your lender of choice!

…your Visa and MasterCard transactions total $3,000 or more per month.
That’s our only income requirement. Once you’ve you meet or exceed it, you qualify for the $5,000 to $150,000 you need to help your business thrive.

…you’ve been in business for 12+ months.
If you’ve made it past the one-year hurdle, then congratulations! We’re 100% confident that you’ve got what it takes to succeed, and we want to share in that success with you.

…you agree to share your business history with us.
Give us the scoop and we’ll tailor an automated payback system just for you.

…then, MCA is the way to go for you and your business. Simple, isn’t it? Call the financial pros at Merchant Cash Advance at 1-800-503-1146 or fill out an online application now!

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In the last post, I mentioned how MCA provides small business owners freedom from monthly payments. We do this by purchasing a set percentage of the business owner’s future credit card receivables. This process is also known as credit card factoring, or credit card receivables financing. For those merchants who are not completely familiar with this process, here is a link to an article that explains the whole process:
http://www.merchantcreditadvance.com/article/index.php?id=1080008

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