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SpinDistribute.com Article Directory

The following article was published in our article directory on January 3, 2010.
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Credit Card Factoring to Improve Business Cash Flow

Article Category: Finances

Author Name: Stephen Bush

In this climate of turbulent financial conditions, merchant cash advances are being analyzed by many businesses because aggressive and creative commercial financing is increasingly appropriate. These options are by no means perfect and problem-free, but pragmatic commercial borrowers seem to understand that commercial financing choices have shrunk dramatically in recent months.

Business cash advance programs have several other names, often including credit card factoring and merchant financing. The resulting commercial financing approach is similar regardless of slightly differing titles. Based on recent credit card processing volume, a fixed amount of cash is given to the business owner. The business cash advance is then paid back to the lender by allocating a portion of future credit card processing transactions toward repayment.

Due to turbulence in financial and banking markets, merchant loans have become one of the most effective working capital financing solutions. Credit card receivables factoring will not be a practical choice for all commercial financing needs regardless of its overall effectiveness. A basic requirement to use this commercial financing option is that a business accepts credit cards for purchases from their business. Even if they accept credit cards, some businesses such as gas stations will not always be able to obtain a merchant cash advance because of low profit margins on each purchase.

It is worth repeating that credit card financing can involve several problems (at least ten according to one credible source). Business owners should educate themselves about potential difficulties and then take prudent steps to avoid such problems. For example, some merchant cash advance programs are limited to a maximum amount of $10,000 to $50,000. Another problem for business owners to avoid in credit card receivables financing is any requirement for collateral. A third credit card factoring problem to anticipate and avoid is an up-front fee requirement. A fourth example is that there should not be fixed monthly payments for repaying working capital financing obtained as part of a business cash advance program.

Not to be overlooked by commercial borrowers is the possibility of obtaining alternative commercial financing. One way of securing a better perspective about realistic commercial finance options is to have a candid and thorough discussion with a working capital management expert who understands all of the practical commercial loan options available to a specific business. Even though qualified experts are notoriously hard to find, it is likely that they will be proficient about all business funding choices and not just merchant cash advance programs.

Keywords: merchant cash advance,business cash advance,working capital,finance,factoring,receivables,business

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