Merchant Cash Advances

Merchant Cash Advances

Better Than A Business Loan!

Today’s economy is rough for business owners looking for a business loan.  The easy alternative is a business cash advance.  We enable businesses to generate the working capital essential for growth and success.  Our funding partners work with merchants to purchase a preset amount of their Visa and MasterCard credit card receivables, infusing their businesses with the cash they require now!  

DMS cash advance solution requires an simple one page form of information which gives immediate access to unsecured funding.  With minimal credit requirements, approvals are high and repayment is flexible and tied directly to your business credit card processing.  All of these features create immediate access to working capital funds for use on any need including:

  • Inventory/Merchandise purchasing
  • Equipment Purchasing
  • Repairs
  • Remodeling
  • Debt pay off
  • Expansion
  • Emergency Funds

How It Works

A cash advance converts future credit card receivables into immediate cash for you to use for your business.  Repayment is based on a small fixed % of those future credit card receivables.  Repayment is automatically deducted from your credit card batch settlements until your cash advance balance is satisfied.  In short, we don’t get paid until you get paid.  This helps you maintain cash flow in your business during slow months.

Business Cash Advance vs. Small Business Loans

Regular business loans come with many obstacles for a small business owner, including a drawn out approval process, stacks of paperwork, low approval rates, collateral and personal guarantees for security, fixed monthly payments and restrictions on use of funds.  Every business owner who has ever tried to get a business loan knows that it can often be very difficult to convince a lending institution to approve an application for credit.  The criteria is often more stringent than a personal loan, and banks are often reticent against loaning money to a business that doesn't produce enough net income or have a long track record of borrowing and paying back such notes.

While it might be difficult to obtain a business loan, the criteria for a cash advance is different and the access to cash advance funding is much easier.  Many cash advances are offered to merchants with less than stellar credit or to those who have extended themselves into a bit of debt while growing their businesses.

Similar to factor companies that buy your business-to-business receivables, a cash advance company can offer merchants up-front money based on their business-to-consumer sales receipts.

Cash Advance vs. Traditional business loan

  • No Personal Guarantees
  • No collateral pledge on home or business
  • No points
  • No fixed payment schedule
  • No coupons or checks to write
  • No impact on your ability to qualify for other financing
  • No business use restrictions on the funding
  • No hassles – quick application and funding
  • Deal direct with funding source
  • No UCC-1 filed at time of funding
  • Broader funding range
  • Trusted associations with 85% of qualified merchants renewing their cash advance.

Take advantage of this unique funding opportunity today!