The days of easy credit are gone, gone, gone… Gone! And, unsecured business loans may just as well have gone the way of the Tooth Fairy. Maybe, some thousands of years ago there was some basis in fact for such an altruistic, albeit slightly creepy benefactor as a Tooth Fairy. The reality of today, however, is that money has to come from somewhere, which most certainly happens to be Mom’s or Dad’s pocket. Even with organisations such as the Small Business Administration (SBA) underwriting loans, lending institutions often do not have the financial muscle, or the willingness, to participate in SBA and other such programs. This leaves small businesses with fewer options for sources of funding for expansion, or for short-term cash-flow issues. However, even if any collateral owned by you or your business already has liens against it, there is a way you can obtain the funding you need without a requirement for collateral, or the need to tie up any more credit, even if you can get it. 7a6zi4r2xv

If you generate a sufficient stream of credit card receipts, you can actually sell a portion of your future receipts in order to receive a lump sum of cash now. It is called a business cash advance, and since it is not a loan, but an advance on money that your business makes every day, you do not need to go with hat in hand to a lender. Once a merchant cash advance provider agrees to purchase, at a discount, a portion of your future receipts, you can receive your cash within a couple of weeks. Then, during the normal course of operating your business you pay back the advance, plus an agreed upon fee, without having to arrange for a fixed monthly payment. Cash advances are not exactly like unsecured business loans, but they are not like that that creepy old Tooth Fairy either, and a whole lot more real.

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The American Recovery Capital (ARC) program is due to start making small business loans to as many as 10,000 eligible businesses beginning June 15, 2009, according to the Small Business Administration. ARC was designed to provide deferred payment loans up to the amount of $35,000 to small businesses with as many as 500 employees, that have had at least a 20 percent decline in sales, and can prove financial hardship. Even though 10,000 such loans would cover only a small percentage of such businesses, it is uncertain whether lending institutions will have the financial muscle to fully implement the program. Even so, there are strict eligibility requirements: businesses must show positive cash flow for at least one of the last two years and be able to show cash-flow projections which demonstrate an ability to repay the loan. With over 30 million small businesses in the U.S., this just seems like too little, too late.

the lucky few. If, however, you find your business needs an injection of $25,000 to $50,000, and you are not the type to rely on poor odds, you can choose to take matters into your own hands by selling a portion of your future credit card receipts to a merchant cash advance provider. Since a cash advance is not a small business loan, and does not rely upon credit markets, this type of funding is not affected by a bank’s ability to loan, but on your ability to generate credit card receipts. If you need cash now, all you need to do is to contact a merchant cash advance provider, or a broker to find one for you. Once you qualify, you can have your cash within a couple of weeks.

No doubt there will be businesses that will be able to find a lender and qualify for ARC small business loans…

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Fraudsters based in Nevada have been running a small business funding scam that takes advantage of companies that are having a hard time raising the capital they need for investment or cash-flow issues. The angle they are using is to present themselves as ‘grant researchers’ that will find money from government grant programs for their clients for an up front fee, which often amounts to thousands of dollars that victims of this scam never see again. Because small businesses have had difficulty obtaining funding through such traditional avenues as bank loans or from investors, they have become vulnerable to the high pressure tactics used by the people running these scams.

and all that is required is the payment of an upfront fee in order to get the needed information for filing your grant. It might be a good deal if it were actually true, but business owners that have fallen for this scam never see a dime from any government grant because the fraudsters simply take the money and run.

It may sound like an attractive offer, to get cash from the government that you can use for your business, that you do not have to pay back,

, there is a way to get the cash you need for your business. As long as you generate an adequate flow of credit card receipts, it should be very easy for your business to qualify for a merchant cash advance. This is not a loan or a scam, and it does not require you to put anything up front. A merchant cash advance is an easy way to get small business funding by selling your future credit card receipts to a provider at a discount. This way you can quickly get the cash you need and simply pay it back as your business continues to generate credit card receipts, without the need for any up front fee.

There is no need to feel so pressured that you could be vulnerable to a scam like this one. Even in an environment of tight credit and very little investment capital

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If you have not tried to obtain restaurant loans yourself, just check around. You will most likely find that restaurants that have tried to raise business capital through loans are having a tough time doing so. This is true for business capital in general. Despite massive bailout dollars being given to banks, lending practices have not loosened up much. In fact, many banks and other lending institutions have tightened the requirements for lending even when capital is available.A cash advance easy to get since it is not a loan and does not depend upon credit markets. It also eliminates the need to make fixed monthly payments. Whether you need to manage your cash-flow, or you need to purchase equipment or make other investments in your business, the ability to have cash available any time you want on the basis of your future receipts is available to you. If you find that the option of restaurant loans is one that is not readily available to you at this time, you still have a way out of the woods by contacting a provider or broker for a merchant cash advance, which can most likely get you the cash you need by the next business day.

If you have a growing business that needs capital to expand, or if you have a large busy restaurant that regularly needs operating capital to get over cash flow humps, the availability of ready cash is the breath of life for your operation. Fortunately, the one thing you can rely upon is a steady stream of credit card receipts. This is what makes you an ideal customer for merchant cash advance providers. Unlike restaurant loans, a merchant cash advance is a purchase of your future credit card receipts, which you pay back during the normal course of business as you continue to generate new receipts.

To get up to 5 free business cash advance offers click here!

However, even if your business is unable to obtain expansion capital in the form of loans, venture capital, or from an angel investor, it is still easy to get the funding you need in the form of a merchant cash advance. If the survival of your business depends of investment in equipment to increase your capacity, to make your operations more efficient, or to get better deals from vendors, rest assured that as long as you have sufficient cash flow from the credit card receipts you are currently generating, you can get the money you need now. The reason for this is that the merchant cash advance is not a loan, so its availability is not dependant on the state of credit markets. Instead, the provider of the cash advance simply purchases your future credit card receipts at a discounted rate to provide you with a lump sum which you can use to invest in your business as you see fit. Then you automatically pay back the advance plus any fees as you continue to generate credit card receipts, without the need to make fixed monthly payments, and without having to answer to investors.

To get up to 5 free business cash advance offers click here!