Advantages of Cash Advances for Merchants

• Available Business Capital provides working capital for merchants in many industries.  We can provide you with the capital you need to make your business better.
• Working capital can be used for any purpose: Adding locations, expanding inventory, partner buyout, taxes, and payroll, catching up on bills, remodeling, and repairs.
• We are not a bank and do not provide business loans.  We provide cash advances by buying a small portion of your future credit card sales.  You get the cash you need today for sales you will make tomorrow.
• Banks Usually Say No to Business Loans - Even if a merchant qualifies for a business loan it may take months to fund.  Banks are becoming stricter with their policies.  Because of the recent loss in the sub prime market, banks are afraid of losing money.  Businesses that may have qualified one year ago are being turned down today.
• Quick Access to Cash - You will have your advance deposited directly into your business checking account usually within 10 business days from submitting a completed application.
• Simple Application Process- Simple one page Administrative form.
• Financial Statements Not Required – No need for expensive CPA generated financial statements, balance sheets, etc.  By simply providing 6 months credit card statements, Available Business Capital can provide a merchant with several options for a Cash Advance Program.
• Ease of Payment – Merchants do not have to worry about paying another bill at the end of every month.  ABC’s lenders collect their specific percentage directly from your daily credit card sales through an automatic bank transfer.
• Small Daily Payment is Favorable to Cash Flow – It is easier for a merchant to manage cash with a small daily payment rather than a large monthly payment which compete with rent, payroll, vendors, utilities and taxes. 
• Payments Adjust with Sales Volume – Because the daily remit percentage is set at the time of the contract, it will never change.  If the merchant’s sales decrease, the amount of money remitted for the day will decrease as well.  If the merchant’s sales increase, so will the amount remitted towards the Cash Advance balance. 
• Short Term Payment – Most average advances are paid back within 6 to 10 months.  This decreases the time that merchants are committed to ABC’s lenders.  In comparison, equipment leases usually require 5 years of payments, while traditional loans can last up to 10 years.  ABC’s lenders can fund a merchant 8 to 10 times in a 5 year period.
• Easy Access to Renewal Advances – For existing customers who have performed on their initial contracts, the renewal process is even easier.  This gives the merchant quicker access to working capital.  You may renew when the original contract is 50% paid.