Cash Advance - Working Capital for Merchants

In today's prohibitive credit market, access to the working capital necessary to grow your business is difficult at best. Whether for marketing, taxes, payroll, equipment purchases or other operating expenses, access to capital remains a merchant priority. It is no wonder that the number one reason for business failure is poor capitalization!

	If your business accepts credit cards, MerchantSphere has a solution for you… receive up to $500,000 within as little as 72 hours!

What Is Cash Advance?

Merchant cash advance is a way of providing working capital to business owners. Merchants sell a specific amount of their business' future credit and debit card receivables in exchange for cash they can use for whatever their businesses need. Once approved, a lump sum of cash is deposited into the merchant's business checking account. The repayment process is automatically handled by the business' credit card processor. As each day's credit and debit card transactions are settled, a specific percentage is forwarded and applied to the remaining Merchant Cash Advance balance. Because a set percentage of credit and debit card receipts are forwarded, your card-sales volume determines the amount of each payment. Our Merchant Cash Advance is a proven, trusted way for you to get quick money for your business needs.

MerchantSphere has partnered with several non-traditional financial institutions to offer unique merchant funding services to eliminate many hassles and delays common with traditional financing. Our Merchant Cash Advance program is predicated on the strength of your business's existing and future credit and debit card sales, so even damaged personal credit history is not be an issue.

• Access to cash without the hassle of a loan
• No personal guarantee required
• No fees or penalty for extended payback period
• Much more liberal policies than bank product
• No hidden costs of fees
• No collateral necessary

The entire MerchantSphere funding process is as simple as 1-2-3:

1. Apply. Contact MerchantSphere to initiate the application process. Our qualification process requires us to gather some basic details about your business including 6 months of processing statements.
2. Transact. Upon qualification, you will agree to allow a specific percentage of your daily Visa® and MasterCard® receivables deducted until you repay the advance amount. Quid pro quo, you will receive a lump sum payment of working capital for your business.
3. Remit. As each day's card receipts are settled, a specific percentage is automatically forwarded by the business' credit card processor. This percentage is fixed, so each dollar amount forwarded reflects your daily credit and debit card sales volume.