Top Reasons to Apply For Merchant Cash Advance

Small businesses are alive and flourishing. One of the reasons is the rise of alternative funding sources that help them get funds easily, with less hassle and with no need to furnish collateral. There are small business loans and there are unsecured loans for small businesses and then there are MCA.

What is a merchant cash advance?

It is an alternative method of finance for small businesses. It is primarily aimed at retailers, pharmacies, professionals, small manufacturers, restaurant owners and similar businesses that may face the occasional cash crunch. It is not for startups. Only those in business for a year or more with a turnover of $ 10000 in credit card sales are eligible. The only requirement is proof of identity, residence, ownership of business and bank statements and funds are made available in less than a week. Repayment is usually tied to credit card sales on a daily basis. The factor rate is rather high but bearable.

Merchant Cash Advance Business

Why should one apply for merchant cash advance?


As any small business owners know there are several occasions when cash is in short supply and one must get funds immediately. This happens when employee salaries are falling due or when vendors need to be paid while incoming funds may be delayed. Accessing merchant cash advance is the best option to get cash immediately and meet one’s commitment. It is better than having to seek loans from friends or relatives and remain obligated to them.

Merchant Cash Advance Business

Launch campaigns

Retailers and small businesses may wish to take advantage of festive seasons. In such cases launching a marketing campaign will net them more customers and generate more revenue. MCA funding gets them the money they need to launch campaigns, increase their market visibility and presence and garner a good share. Extra earnings always help repay the loan.

Expand activities

A businessman who stays content with his business is likely to stagnate and suffer. The expansion should always be an ongoing process for small businesses to grow into larger ones. Cash advances are the best way to finance such expansion activities. A businessman can move to larger premises, refurbish and renovate his existing premises, buy new equipment and generally increase the quantum of business. Expansion of activities will help him serve customers better and faster and earn their loyalty as well as recommendations.

Small Business Loans

Pay off debts

It may not seem like a good idea to go into debt by obtaining a cash advance in order to pay off a debt but debts can be restructured. If one is in a debt situation where the interest rate is killing then getting a loan at a much lower rate and on more favorable terms to pay off that debt is a wise decision.

There is no doubt that cash advance business is growing and providers like are offering the best terms. Small businesses that would have gone under have survived and prospered. Businesses that would have stagnated have expanded and grown, thanks to small injections of cash at the right time.

It is easy to apply for Water Street Capital’s best merchant cash advance. Just fill in the form online and initiate the process. Our rep will take it from there.

Bad Credit Small Business Loans in Canada – The Best Fuel for Your Business Growth

It is a fact of life that those who need funds find it hardest to get their hands on cash when needed. Businessmen with poor credit or bad credit are the hardest hit. Lenders simply show no consideration for such struggling entrepreneurs who are finding it hard to manage cash flows. Such entrepreneurs in Canada may not have had the time to establish a good credit history or even a personal credit score that will put them in “good books” of lenders. Bad credit, to lenders, is a sign that borrowers are not in a position to repay loans.

When traditional avenues of funding are closed for businesses with bad credit there is still another option open. This is bad credit small business loans from providers who really care for entrepreneurs and want to get them back on their feet. Unlike merchant cash advances, bad credit business loan repayment is not tied to daily credit card sales. This widens the scope because not all businesses have credit card sales. Repayment may be on a fixed monthly basis with fixed tenure for repayment. Bad credit small business loans in Canada is easy to obtain from suitable providers.

Bad Credit Business Loans

Anyone who is mired in financial difficulties and with a poor credit rating knows how difficult it is to obtain finance that will help them keep their business operational and even grow. Such business loans for small businesses are ideal. Applicants need to submit only minimum documentation for fast approval. Terms are easy in that no mortgage or guarantee is required for business loans. Importantly, loans repayment may be spread out over a year or even more thus easing the financial burden. The result is that a cash stifled business gets the necessary infusion of funds to help it overcome temporary difficulties. It can grow and reverse its situation.

A credit rating of only 300 is considered poor while 900 is the highest with 650 being the right score for businesses to be eligible for standard sources of funding. Not all businesses have this score and even if they have a score of 500, they are considered risky propositions when it comes to lending. Bad credit loan providers take a look at all factors that influence ratings and make a decision, usually in favor of the borrower, fixing the rate of interest according to the analysis of their financial position and repayment tenure. The APR may be a little on the higher side but if a business owner can use the funds to generate profits that exceed repayments and still leave him with spare cash, it is better than not having any funds at all.

Merchant Cash Advance

The important thing is survival. Infusion of cash in the form of business loans help businesses stay alive and, with guidance from experts from the loan providers, get back on track. Once they do, the same loan providers can keep on providing more funds in various ways to help the businessman grow and expand. The higher cost is offset by rapid growth and increased revenues.

For more details contact us, email us or call us: +1-800-589-4161.

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Is Merchant Cash Advance Suitable For My Small Business?

Business is about taking risks. Success depends on taking carefully planned and calculated risks. Even then anything unpredictable can cause a flat tyre and the vehicle of business stops moving. An Interruption in smooth cash flow, especially for small business owners, can be a time of endless worry. Invoices remain unpaid while creditors press for payments, is a common enough scenario. Then there are business owners who may want to take a small risk such as launching a marketing campaign to grab a higher market share during festival seasons or expand the business, buy real estate or new equipment. Traditional sources of funding may not be available in all such cases or may not be available fast.

This is where merchant cash advance seems so attractive. Is it really so? Wise business heads advice against falling into this trap unless one plans carefully. The simple reason is that going into debt to pay debt only results in more debt. Prima facie, MCA may not be the best option for small businesses. If one looks deeper and thinks carefully, it could be a perfect choice. Here are reasons why one should consider best merchant cash advance by, a premier cash advance business.

Best Merchant Cash Advance

    • Cash, as much as $ 200000, is available on making a simple application with supporting documents such as identity proof, residence proof and proof of ownership of business. No collateral or mortgage is required in case of MCA.
    • The Borrower gets to cash in his bank account in 3 to 5 working days from date of submitting the request online or offline.
    • Repayment is flexible and is a percentage of daily card sales, weekly or monthly fixed amounts. If sales boom, repayment amount increases, and advance are paid off in a shorter time and vice versa.
    • With MCA businesses can use the cash to give a boost to their business and grow fast.

For the MCA to be suitable, the owner must have a running business with minimum monthly sales of $ 10000. He must also have a good business plan and must calculate as to whether the daily or monthly repayment schedule will not put him in financial difficulties.

Small Business Loans

This type of cash source is not for small businesses if:

    • They are in a debt trap and are seeking funds to pay off a creditor without considering how they will meet the commitment.
    • They are not generating adequate business that will generate sufficient funds for repayment.
    • They are in a line of business with plenty of competition and slim chances of growth or even survival.
    • They do not have solid plans for business growth, diversification, and expansion.

A Cash advance can be obtained with ease. Using the cash wisely to grow the business is worthwhile. Even if one is reaching for this source of capital to tide over emergencies, one must have adequate receivables to know that they will be back on an even keel once debtors make payment. The source from where one obtains advances is also important.

It is easy to apply for Water Street Capital’s best merchant cash advance. Just fill in the form online and initiate the process. Our rep will take it from there.


apply now for Merchant Cash Advance

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The Top Merchant Cash Advance Services of 2017

Merchant Cash Advance

It would be difficult to find a business that does not face cash problems every now and then. For larger organizations, liquidity is not much of an issue since they always have lenders on tap. Small businesses run by individuals find the going tough because they are perceived as high risk. Instead of regular channels, they might find the non-conventional methods of funding small business to be a better option.

The number of such small businesses facing cash crunch is on the rise and so is the number of merchant cash advance services that provide immediate funds on easy terms to these borrowers. Competition is hotting up. It would seem that businesses with bad credit or in a tight situation would have to take what is doled out to them. Not any longer. There are dozens of such services and they are all competing with each other to get more business. The best merchant cash advance service of 2017 may not be the one that hands out cash immediately, no questions asked. Customers do ask questions and should.


It is not a take it or leave it situation for borrowers. The top MCA service for this year is the one that is transparent about its terms, the rate of interest and other charges. Many such services do not truly disclose the rate of interest and charges until a prospective borrower submits his details and a credit check takes place. The Borrower must know beforehand about the terms, not terms based on credit rating. The fees and repayment cost should also be clear from the outset.

Simply providing cash when needed is one thing. Small businesses may opt for MCA simply to meet immediate needs without taking into consideration the larger picture. Enterprising and innovative businesses look at this type of cash source as a way to fund campaigns, modernize equipment or to invest in an activity that will produce more revenues. They may lack knowledge so the best MCAs are not just people who advance cash, but people with expertise to analyze a client’s business and offer consultation on the wise use of funds to avoid debt traps.

Responsiveness and speed of processing applications also count for a lot, especially when a borrower needs immediate funds. The Delay is as good as denial. Cash can act like oxygen and fast response saves the day for a grateful business owner who will then return for more funding to grow the business.

Small Business Funding

The world of cash advances is changing. From simply considering it as an avenue to exploit small businessmen and make high profits, it is undergoing a transformation to being one of the best alternative sources of capital in this year. The trend is likely to continue. Studies at wscapnow show that the number of defaulters is less and that those who have obtained consultations have managed to use funds to rise rapidly or to diversify. American small businesses can now make ambitious plans and wscapnow, the best MCA, will be there to help, today and tomorrow.

For more details contact us, email us or call us: +1-800-589-4161.

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