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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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Commercial Financing and Credit Card Receivables Improvements

Article Category: Finances

Author Name: Stephen Bush

Most businesses which accept credit cards can make use of merchant cash advance programs by using their future credit card processing activity. However, there are a number of critical commercial financing problems to avoid when using this strategy, and a merchant cash advance is not the only source to consider for additional working capital. The strategy is also called credit card factoring and merchant financing.

One of the most overlooked sources of business working capital is credit card receivables factoring. Not to be overlooked are working capital management benefits which can accrue to a business by coordinating credit card processing and credit card financing programs. Key results of coordinating these business financing services are improved cash flow and reduced costs. A significant factor is that a merchant cash advance based on credit card processing is one of the most effective options for obtaining short term business financing for many retail and service businesses.

Business cash advance programs can be a source of confusion and problems, and proper anticipation of these potential difficulties is essential for a business owner considering this working capital strategy. Realize that the business cash advance strategy is not readily available until a business has been operational for at least one year. A further limitation is that the business must have been using credit cards as a form of payment by customers.

At the earliest possible point, a determination of working capital needs for your business must be made. In general a business cash advance is typically possible for amounts varying from $5000 to $300,000 and the amount will depend on the monthly credit card processing volume for a business. Business owners should review cash receipts as well as monthly credit card volume for the most recent six to twelve months. Cyclical and seasonal variations in monthly receipts can usually be accommodated in calculating the business cash advance potential.

Sites which require an online business cash advance application should be avoided. Talking to an experienced business cash advance advisor is of critical importance. Representatives using high-pressure techniques should generally be avoided. Finalizing a merchant cash advance within a two to four week period is a realistic time frame.

After an acceptable advisor and provider for coordinating the credit card receivables factoring and credit card processing has been located, an initial merchant cash advance application can be completed. For this step, do not forget the suggestion about avoiding online applications. The preferred method for submitting initial documentation is faxing or emailing a completed application directly to the advisor-provider. There should never be any up-front fees or closing costs when obtaining business cash advances.

Keywords: credit card receivables,business cash advances,working capital,factoring,receivables,finance,loans

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