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ValueOne understands that driving and planning for the success of your business is your number one priority.  Helping you do this is our number one priority, too. That’s why we take care of finding the right financial services solutions for you. Saving time and energy allows you to put those valuable resources back into your business, where they belong. 

Financing the daily operations of your business can present even the savviest entrepreneur with some challenges. For example, retail store operators and restaurants have to deal with seasonality and economic uncertainty that affects consumer shopping patterns. When this happens, cash flow can tighten, making it harder for your business to thrive.

On the other hand, as a small business owner, you are always thinking of ways to grow and expand your operation. Sometimes a great opportunity for expansion presents itself unexpectedly. This could be an idea for a new product to sell or a new location to serve your target customers. Having funds readily available is critical to taking advantage of these types of opportunities.

When it comes to growing your business, you might think the only way to get the working capital you need is by applying for a traditional business loan. While this is a great option for financing some types of small business ventures, there are many cases where it can be more beneficial to apply for another kind of loan, called a merchant cash advance.

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Merchant Cash Advance

ValueOne understands that driving and planning for the success of your business is your number one priority.  Helping you do this is our number one priority, too. That’s why we take care of finding the right financial services solutions for you. Saving time and energy allows you to put those valuable resources back into your business, where they belong. 

Financing the daily operations of your business can present even the savviest entrepreneur with some challenges. For example, retail store operators and restaurants have to deal with seasonality and economic uncertainty that affects consumer shopping patterns. When this happens, cash flow can tighten, making it harder for your business to thrive.

On the other hand, as a small business owner, you are always thinking of ways to grow and expand your operation. Sometimes a great opportunity for expansion presents itself unexpectedly. This could be an idea for a new product to sell or a new location to serve your target customers. Having funds readily available is critical to taking advantage of these types of opportunities.

When it comes to growing your business, you might think the only way to get the working capital you need is by applying for a traditional business loan. While this is a great option for financing some types of small business ventures, there are many cases where it can be more beneficial to apply for another kind of loan, called a merchant cash advance.

We add Value by adding to your working capital.

Additional funds enable small business owners to open new doors, whether they are starting a new business or growing an existing one. We offer a range of working capital options that add value to small and mid-sized businesses across the country.

What is a Merchant Cash Advance?

Applying for small business loans takes an immense amount of time and effort. Between weighing many loan options and waiting for approval, this process requires the one thing that is in short supply for small business owners: time.

In the end, there is always the chance you won’t qualify and will be forced to start again from square one. A merchant cash advance gives you access to the business financing you need quickly, without having to worry about your credit rating or collateral.

With a merchant cash advance, a lender gives you a cash advance in the form of a lump sum linked to your credit/debit card receivables. In return, you promise to repay the advance by giving the lender a daily percentage of your business’s future credit and debit card transactions.

Find out if you prequalify for financial help that will keep your business running smoothly.

A merchant cash advance is one of the easiest and most convenient types of funding available to small business owners. The approval process is especially simple; as limited paperwork is required. Because there are no collateral and limited credit score prerequisites, merchant cash advances have an incredibly high approval rating.  Almost any business with reliable and consistent credit/debit card based sales can gain access to cash quickly, with shorter repayment terms and no set repayment amount.

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Is a Merchant Cash Advance Right for Your Small Business?

When your small business runs out of inventory, faces an emergency, or receives a golden opportunity to expand, you need access to cash as quickly as possible. If you find yourself in any of these situations, a merchant cash advance may be a good funding option for you.

Because of its easy approval rating, a merchant cash advance is a fast and convenient option for small business owners.  A merchant cash advance is a great choice for any business with strong and consistent credit/debit card customer payments with an urgent and immediate need for cash flow. That’s because repaying a merchant cash advance requires an ongoing series of small daily re-payments. This is why retail businesses and restaurant owners can benefit most from a merchant cash advance.

The typical merchant cash advance repayment period is about three months to one year. If your business is booming and you have a high volume of daily credit and/or debit card transactions, you’ll be able to repay the advance faster. On the other hand, if sales are slow, then your repayment schedule can be adjusted based on the pace of your business.

It’s important for small business owners to keep in mind that although merchant cash advances are convenient, they are also more expensive than other types of financial services. Merchant cash advances typically have higher annual percentage rates which contribute to higher total borrowing costs. Still, merchant cash advances offer small businesses a viable alternative to traditional bank loans.

Committed to Helping Your Small Business Succeed

ValueOne provides small businesses with a wide range of financial services. We strive to make finding the funding you need for your company simple and convenient.

We provide you with personalized customer service so you are not trying to find your way through a never-ending maze of jargon and menus.

Call us at 855-960-5315 or complete the form below to take the next step toward your business goals.
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