Merchant Store Loan Alternative : Alternatives to Traditional Business Loans

If you have applied for and been turned down for a traditional bank small business loan, you are not alone. There was a time when getting a small business loan was much easier than it is now. Today, it is next to impossible to get bank loans without a near perfect credit history.

Merchant Store Loan Alternative

What's the Alternative?

The merchant store loan alternative offers small businesses a way to get cash for capital now. The interest rate is much higher than the bank, but the terms to pay back is much more flexible than a bank.

How Does a merchant cash advance loan work?

Rather than looking strictly at your credit and FICO score like a bank does, a cash advance looks at how much the business makes. Typically, you need to have at least several past months of having a minimum of $5000 in credit card transactions.

Repayment of a Merchant Cash Advance

A bank loan requires you to pay a specific amount each month, but this is not how a cash advance loan works. Instead, the loan is paid back through a percentage of each future debit and credit card payment your customers make. Some months you'll pay less and some more depending on the sale volume for the month with Merchant Store Loan Alternative.

The Flexibility is Attractive

While the merchant cash loan has a higher interest rate, it is the flexibility of the repayment that makes it easier for most to manage. In addition, loan funds are typically made available to merchants much faster than a bank loan would be.

The merchant advance is becoming very popular as more businesses seek ways of getting capital to continue to grow as a business. The banks may never get back to lending small business loans to very many businesses, but there are alternatives available that has helped many companies.

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