Merchant Loan Experts

Call toll free: 1-866-595-5546

About Merchant Loan Experts

According to articles in publications like The Wall Street Journal

More and more retailers, restaurateurs and other small business owners are taking advantage of Merchant Cash Advances because of its:

  • High rate of approval
  • Little need for documentation
  • Speed of approval
  • Flexible terms

At Creative Business Lending, we provide what are known as Merchant Cash Advances to small and midsized businesses like yours.

So what is a Merchant Cash Advance? A good place to start is by discussing what it is not. A Merchant Cash Advance is not a loan. In addition, it has:

Rather, Creative Business Lending delivers to you a lump sum for use as working capital in return for the purchase of a specified amount of future MasterCard and VISA credit card sales. It is like factoring, a well known process for generating cash flow for businesses, only here cash is advanced based on an event that has yet to happen – your anticipated credit card sales based upon historical performance. We only get paid when you make a credit card sale. This makes the Merchant Cash Advance product one of the most cash flow friendly products available today.

How much of a cash advance can I expect?

The average size of our cash advances is about $25,000. The range is between $2,500 and $250,000, depending on the anticipated future sales of the business.

Will I qualify?

Most business owners do. If you process a monthly minimum of $2,000 per month and have been in business for at least a year, you should qualify for a merchant cash advance. Many of our customers use the cash advance for any one or more of the following reasons:

So how do you get started?

You can contact us directly at 1-866-595-5546 or via email to sales@merchantloanexperts.com. Or fill out the application in the Apply for Funding section and a customer representative will get back to you within 24 hours.

According to the Small Business Administration, which oversees the nations some six million small businesses, problems in obtaining adequate and timely funding are the main culprits in causing small businesses to fail. As businessmen who have worked closely with many small and medium-sized businesses over the years, we at Creative Business Lending have seen first-hand the problems this places on small business owners in managing their cash flow.

Our goal at Creative Business Lending is to provide funding to small business owners who might otherwise be unable to obtain it elsewhere. Studies, after all, have shown that more than nine out of every 10 businesses in the U.S. are unable to obtain bank loans because they lack sufficient credit or the necessary collateral.

Educating Our Merchants

Why should you consider Creative Business Lending for a cash advance? We believe we have set ourselves apart from other companies that provide alternative funding by placing an emphasis one ducating our merchants.

Before we do business with any merchant, we make certain they have a complete understanding of the funding arrangement. We are also careful to set realistic terms with merchants based on their particular earning profiles in order to minimize the possibility of future cash flow problems. Whether you’re a restaurant, a florist, salon, spa or an automotive center, you have a maximum percentage of gross revenues that you can afford to pay back each month to meet your financial obligation (called a “safe retrieval percentage”). We make sure you stay within this limit so as not to cause you cash flow distress. In addition, we make clear disclosure of all costs upfront.

The Staff

We believe we have the most knowledgeable and dedicated people in the industry. Our sales people are trained to understand your business and to be sensitive to your needs. Many members of our staff, in fact, have been on the other side of the equation, so they have a very personal awareness of the issues involving small business owners.

Technology

Our advanced IT system promises fast, accurate and responsive service. This gives customers access to quick answers regarding funding. Our password secured system allows merchants to see their up-todate credit card sales and cash advance balances.