cash advance for business, working capital loan, business cash advance, short term loan, merchant cash advance
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3 Steps to Improve Cash Flow

March 13th, 2013 | Posted by CillianO in Merchant Cash Advance | Small Business Loan - (0 Comments)

short term loanOne of the principal struggles for many small businesses is achieving efficient management of cash flow. While the fundamental process of cash flow management may seem simple in theory, it can be anything but in practice. Here are a few easy-to-follow tips on better managing your cash flow:

Prepare cash flow projections: Preparation of regular cash flow projections is essential for cash flow management. Business owners should remember that projections are not fixed agendas of how the future will pan out, rather they are educated guesses which should incorporate all available details including dates and amounts for both receivables and payables in order to maximize accuracy.

Improve your receivables: Ensuring customers pay on time is more a fine art than an exact science. Try offering discounts to customers who pay their bills promptly, and/or have customers pay deposit payments at the time of order submission. As always, prompt issuing of invoices and regular follow-ups are essential to improving your receivables situation.

Defense against shortfalls: If you foresee a shortfall in cash some time in the future, it is vital you start planning a means of combatting that shortfall immediately. Many businesses find a business cash advance or a short term loan are convenient methods of easily securing the cash required to bolster a business’ defenses against late payments and cash shortages.

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About Infinity Capital Funding

March 6th, 2013 | Posted by CillianO in Merchant Cash Advance | Small Business Loan - (0 Comments)

short term loanThis blog is populated mainly by the highlights of our services including the no-hassle business cash advance or short term loan, but we never properly grounded these services within the story of our business. Allow us to introduce ourselves…

Infinity Capital Funding is a direct funder, providing merchant cash advances, small business loans, and other creative working capital solutions to small and mid-size businesses throughout the United States. Our principal on starting the company was to empower small businesses by providing them with the working capital required to realize their specific business goals.

Over the years, we have built our solid reputation on the following core values:

  • Fast Funding – Approvals within 24 hours and funding within days
  • Creative funding solutions to help businesses thrive
  • Unrivaled service and support for both merchants and referral partners

Additionally, the success of our business has been made possible by the universal appeal of the merchant cash advance. No matter what the nature of your business, our funding solutions can help. Whether you run a gourmet restaurant, sell hand-crafted kids’ toys, develop mobile apps, or own a beauty salon, we at Infinity will do our utmost to listen to your needs and devise the best plan for you.

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Common Merchant Cash Advance Terms Explained

February 27th, 2013 | Posted by CillianO in Merchant Cash Advance - (0 Comments)

business cash advanceAs part of our dedication to transparency and quality customer service, here are some of the most common merchant cash advance terms explained:

Business or Merchant Cash Advance Provider: A business e.g. Infinity Capital Funding that essentially purchases the future credit card sales of another business in exchange for an upfront cash payment.

Advance Amount: The amount of cash given to a business upfront in exchange for a percentage of the business’ future credit card sales. At Infinity Capital Funding, advances up to 125% of monthly credit card sales are available.

Factor Rate (also called Provider Fee): The factor rate is the percentage of the business cash advance amount that the merchant cash advance provider charges in exchange for the cash advance.

Daily Retrieval Rate: This is the amount a merchant cash advance provider collects from daily credit card sales. This is usually expressed as a percentage and allows the business receiving the cash advance to determine how soon it will be able to pay off the cash advance.

Safe Retrieval Rate: This refers to the daily retrieval rate as a percentage, which is the portion of daily sales that can be used for daily repayment  (are “safe”) while leaving the business with sufficient cash flow to sustain itself.

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Essential Tips for Small Businesses

February 20th, 2013 | Posted by CillianO in Merchant Cash Advance | Small Business Loan - (0 Comments)

business cash advanceFounding a small business in today’s economic landscape is both exciting and nerve-wracking at the same time. Taking risks is certainly an element of successful entrepreneurship but risks should always be calculated. Passion, ambition and a gap in the market may be key components of any start-up’s foundation, but staying informed and maintaining a realistic vision are equally as important.

Below are some other tips for small business owners eager to make a name for themselves:

Hone Your Human Resources Skills: Strive to hire the right people for your company. More often than not, that means those with sound work ethic, who are honest and are enthusiastic about the prospect of working for your company. Those with a negative attitude or those interested in a position with your company purely to pay their bills are not recommended, no matter how vast their experience.

Save with Social Media: Taking advantage of the many free social media platforms available today can boost your business beyond all expectation. Strive to engage with your customers, creating unique content that is likely to encourage consumer interaction, and always ask for feedback.

Find the Right Source of Finance: As any successful business owner knows, you must invest money in order to make money. Finding the right source of finance for you, be it a merchant cash advance, small term loan or something else, is dependent on several factors including your credit score and credit card sales.

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Small Business Loans that Make a Big Impact

February 13th, 2013 | Posted by CillianO in Merchant Cash Advance | Small Business Loan - (0 Comments)

merchant cash advanceWe have discussed at length the difficulties faced by small businesses in the current economic landscape, specifically the challenge of securing finance to further growth with credit requirements being as restrictive as they are. Of course, a business cash advance is an obvious solution but what to do if your small business does not do credit card sales or makes little in credit card sales?

Our Microloan programs are here to answer the call. Specifically intended for healthy businesses that do small sales in credit card transactions (such as cash-only restaurants, cafes, boutiques or small retail ventures), microloan programs allow small businesses access to the funds required for everything from new employees to an office renovation. As part of the microloan programs, the advance is paid back through weekly ACH payments.

Those wondering whether or not they qualify for a short term loan, simply need to assess whether they satisfy the below requirements:

  • Must make a minimum of $10,000 in bank deposits per month
  • Must have been owned and operated for at least 12 months
  • Must be able to provide clean bank statements showing a consistent cash flow, as well as a personal credit score

If you are interested in securing a microloan for as much as $60,000, then complete our simple online application form, or contact one of our associates at 877.422.7501

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When a Merchant Cash Advance Makes All the Difference

February 6th, 2013 | Posted by CillianO in Merchant Cash Advance - (0 Comments)

cash advance for businessIf you are operating a small business in the contemporary market, you have likely noticed that there are several options of funding available to you, each financing method with its own set of pros and cons.

If the credit crisis has proved anything so far, it is that small businesses which rely solely on financing from commercial banks will rarely be able to fund investments in new employees, equipment and inventory.

In a time of economic recession and belt-tightening, businesses must contend with a tight credit market. This is one instance in which a business cash advance makes all the difference. If a small business finds itself trying to cope with a short-term cash flow problem or needs immediate and direct access to funds, then a merchant cash advance offers the chance to improve the situation.

As a long-term financing option, a merchant cash advance may not be the most appropriate if the premium for the financing is high. However, where the cash advance premium is similar to interest rates you might be paying on a bank loan, then a business cash advance is a viable long-term financing option that can be used for everything from buying office equipment to investing in product development.

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Understanding Fees and Terms

January 30th, 2013 | Posted by CillianO in Merchant Cash Advance | Small Business Loan - (0 Comments)

small business loanAs part of our dedication to transparent service and commitment  to guaranteeing our customers a no-nonsense solution to growing their business, this post will offer a few tips on finding the merchant cash advance or short term loan that is right for you and your business.

Understand the fees: Ensure you see all the fees upfront, understand each and every one of them, and assess whether or not you will be able to pay them.

Understand the terms: Some loans involve the deduction of a daily fixed amount from your account, while others involve taking a percentage of your credit card sales every day. It is essential that you carefully consider the terms of your loan before agreeing to it. For example, our Yes! Starter and Standard Cash Advance programs both have the cash advance recipient pay back the advance through a hold-back percentage on credit card sales. On the other hand, both our Hybrid and Platinum programs see that the cash advances are paid back through a combination of weekly ACH payments and a hold-back percentage on the merchant’s future credit card sales.

At Infinity Capital Funding, we are pleased to help make sure that all of our customers are fully aware of their cash advance or loan details. To schedule a call with an adviser now, simply submit your contact details via our online contact form and we will be in touch within 24 hours.

 

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Partnerning with Infinity Capital Funding

January 23rd, 2013 | Posted by CillianO in Merchant Cash Advance - (0 Comments)

business cash advanceAre you in search of opportunities to grow your revenue with the help of a business cash advance industry leader? Good news – Infinity Capital Funding is always looking to partner with other industry leaders in order to bring opportunity to small businesses nationwide through our Partnership Program.

Our Partnership Program offers you the chance to aid business owners in the maintenance and growth of their businesses as well as earn impressive commissions. Partners in our program reap the following benefits:

  1. Highest commission rates in the industry
  2. High approval rates
  3. Approvals within 24 hours
  4. Commissions paid weekly
  5. Up-front commission for offering your clients our merchant funding products

Additionally, we have taken the time to streamline the commission process. Simply offer one of our Merchant Cash Advance products to your clients as a value added service, and provide them with our informational brochure and one page application. Then, sit back and relax, as we do the rest of the work.

But that is not all. There are a host of other benefits to partnering with Infinity Capital Funding, including:

  1. Sales assistance to help close difficult deals
  2. Contracts prepared by our Underwriting department
  3. Full support throughout the funding process
  4. Complete marketing support, consultation and sales training
  5. Ongoing passive income through our renewal program

Learn more online about the Infinity Capital Funding Partnership Program.

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Overview On Our Yes! Starter Advance Program

January 16th, 2013 | Posted by CillianO in Merchant Cash Advance - (0 Comments)

merchant cash advanceRunning a small business is no mean feat. Indeed, as most entrepreneurs will admit, there is nothing ‘small’ about their vast workload. As the owner of a small business, growing your start-up and taking steps to ensure success requires devoting almost every waking hour of your day.

For small business owners no longer able to keep on top of their growing workload, a merchant cash advance may be just the solution to finance the on-boarding of new employees.

Our Yes! Starter Advance program is specifically designed for small businesses in their first or second year of business requiring a speedy cash solution. Suited to those customers who don’t meet the requirements of our Standard Cash Advance program, the business cash advance is paid back through a holdback percentage on the merchant’s credit card sales.

That means that small business owners with poor credit need not worry, as we will advance as much as 60% of your credit card sales up to $20,000.

There are just a few requirements those interested in the Starter Advance program need to satisfy:

  • Must be processing over $8,000 per month in credit card sales
  • Must be owned and operated for over 6 months

Apply now and delight in the speedy, affordable and uncomplicated loaning system worlds apart from the red tape of traditional bank loans.

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Loans: All In How You Look At Them

January 9th, 2013 | Posted by infinitycapitalonline in Merchant Cash Advance - (0 Comments)

working capital loanA working capital loan can be a godsend for your small business, giving you the capital you need to square away your finances and focus on expanding.  There were times, however, when loans came with a bit of a stigma. In the early Middle Ages, for instance, the dominance of Catholic doctrine in Europe actually prohibited loans, classifying them as the sin of usury. Kings went to Jewish bankers (who were conveniently free to make loans, not being bound by the same religious code), although their marginalization in society left them open to dangers; the same rulers who came to them as clients could also turn a blind eye on anti-Semitic riots or expel them.

Usury gradually gave way to interest, and it’s kind of neat to explore how, as it involves some theological twists worthy of a contortionist.  The problem with usury was the idea of asking more than what’s being given. Usury refers to the “use” of borrowed capital. The fees attached to it were fees paid for the use of money. But interest developed as a compensation for the loss of money, a reimbursement for the expense of lending. The end result is the same, but the intention behind the payment is different.

Infinity Capital is the place to explore all your options, and get the best deal on a merchant cash advance or short term loan.

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