About Rapid Merchant Funding

At Rapid Merchant Funding, we provide what are known as Merchant Cash Advances to small and mid-sized businesses like yours. According to articles in publications like The Wall Street Journal, more and more retailers, restaurateurs and other small business owners are taking advantage of Merchant Cash Advances because of its:

• High rate of approval
• Little need for documentation
• Speed of approval
• Flexible terms

So what is a Merchant Cash Advance?

A good place to start is by discussing what it is not. A Merchant Cash Advance is NOT a loan. In addition, it has:

• No interest rates
• No hidden fees
• No fixed payback schedule
• No closing costs
• No loss in the equity of your business
• No personal guarantees or posting of collateral

Rather, Rapid Merchant Funding delivers to you a lump sum for use as working capital in return for the purchase of a specified amount of future MasterCard and VISA credit card sales. It is like factoring, a well known process for generating cash flow for businesses, only here cash is advanced based on an event that has yet to happen – your anticipated credit card sales based upon historical performance.

We only get paid when you make a credit card sale. This makes the Merchant Cash Advance product one of the most cash flow friendly products available today.

How much of a cash advance can I expect?

The average size of our cash advances is about $25,000. The range is between $2500 and $250,000, depending on the anticipated future sales of the business.

Will I qualify?

Most business owners do. If your business processes a monthly minimum of $5,000 per month and has been in business for at least 6 Months, you should qualify for a merchant cash advance.

Many of our customers use the cash advance for any one or more of the following reasons: 

• To purchase new equipment or inventory 
• To open new locations
• To renovate the business
• To manage unexpected expenses

How You Get Started

You can contact us directly at 1-360-203-3253 or via email. Or fill out the application in the Apply for Funding section and a customer representative will get back to you within 24 hours.

According to the Small Business Administration, which oversees the nation’s some six million small businesses, problems in obtaining adequate and timely funding are the main culprits in causing small businesses to fail. As businessmen who have worked closely with many small and medium-sized businesses over the years, we at Rapid Merchant Funding have seen first-hand the problems this places on small business owners in managing their cash flow.

Our goal in creating Rapid Merchant Funding was to provide funding to small business owners who might otherwise be unable to obtain it elsewhere. Studies, after all, have shown that more than 9 out of every 10 businesses in the U.S. are unable to obtain bank loans because they lack sufficient credit or the necessary collateral.

Educating Our Merchants

Why should you consider Rapid Merchant Funding for a cash advance? We believe we have set ourselves apart from other companies that provide alternative funding by placing an emphasis on educating our merchants.

Before we do business with any merchant, we make certain they have a complete understanding of the funding arrangement. We are also careful to set realistic terms with merchants based on their particular earning profiles in order to minimize the possibility of future cash flow problems. Whether you’re a restaurant, a florist, salon, spa or an automotive center, you have a maximum percentage of gross revenues that you can afford to pay back each month to meet your financial obligation (called a “safe retrieval percentage”). We make sure you stay within this limit so as not to cause you cash flow distress. In addition, we make clear disclosure of all costs upfront.

The Staff

We believe we have the most knowledgeable and dedicated people in the industry. Our sales people are trained to understand your business and to be sensitive to your needs. Many members of our staff, in fact, have been on the other side of the equation, so they have a very personal awareness of the issues involving small business owners.

Technology

Our advanced IT system promises fast, accurate and responsive service. This gives customers access to quick answers regarding funding. Our password secured system allows merchants to see their up-to-date credit card sales and cash advance balances.

Funding Process

The process for getting a Merchant Cash Advance from Rapid Merchant Funding is a simple one. We place no restrictions on how the merchant chooses to use the cash advance.

Here is a look at the step-by-step process:

1. Qualify for a cash advance.

You should qualify if your restaurant, retail establishment or service business meets the following criteria:

• Processes at least $5,000 a month in credit card sales
• Has been in business for at least one year
• Has a minimum of one year remaining on your lease
• Has no open judgments or bankruptcies

2. Necessary documentation.

Should you choose to fill out an application, we will need from you the following:

• Three - Six months of credit card and bank statements
• A copy of your lease
• A tax return or financial statement for advances over $25,000
• Landlord verification
• A voided business account check

These documents will then be submitted to our underwriting department. You will be contacted within one business day to discuss the specifics of the agreement and the pay back schedule. A contract will then be delivered to you by the close of the following business day.

3. Receive a cash advance

As early as the following business day, you will receive the agreed upon cash advance directly into your bank account. In return, Rapid Merchant Funding will retrieve a fixed percentage of your future credit card sales according to the terms agreed upon. The percentage we retrieve is fixed for the life of the funding.

The process is completely automated and seamless. We get paid when the credit card processor pays you. You never write a check or pay a late fee.

If this all makes sense to you, then please click here to fill out an application.

Get a Small Business Loans to Improve Your Cash Flow

Running a business can be rewarding, but it also comes with a unique set of challenges. Even very successful businesses can find themselves faced with cash flow issues. This is often due to slow processing on credit card transactions, which often make up the bulk of a company's income. During the wait, there are bills to pay, supplies to buy and general day-to-day operating expenses. Many businesses apply for unsecured business loans to generate the working capital they need to keep running. However, this can often be time consuming, and banks often have very strict criteria that even thriving small businesses can find hard to meet. Rapid Merchant Funding has the perfect solution to those cash flow crunches. By selling those slow credit card invoices, you can use the money to keep your business going and growing. This is often better than a conventional small business loan, because your loan amount is based on your proven history, not the criteria that the bank imposes.

Apply for a Business Loan and keep your business on it's feet.

Rapid Merchant Funding has made the procuring of business loans a simple and easy process, using future credit card purchases in the business as financial security. This innovative method of helping businesses grow with business loans that are innovative and refreshing, as well as very simple, has helped numerous business find funds to increase stock and turnover, or pay for day to day running expenses while they are growing.

What Would You Do With Unsecured Business Loans?

Like many business owners, you've probably wondered just how one small business can go through so much money. Even if you turn a profit, the expenses at the end of each month can seem staggering. With salaries and bills to pay, equipment and supplies to buy, and just the general expenses of running an active business, cash flow can get tight pretty quickly. Low cash flow can even stunt the potential growth of your business, holding you back because you don't have the outlay to fund expansion. Whether you want to expand your product line, streamline your services, or market yourself to a wider audience, you'll need money to get it done. If you need a business loan, but are finding that a bank loan isn't the best option, consider the services of Rapid Merchant Funding. Even if your company's credit isn't perfect, you could qualify for a loan that makes it possible to do the things your business needs to do.

Can I apply for an Bad Credit Business loans?

It's no secret that running a business can be time consuming, expensive and at times, overwhelming. Even experienced business owners are often caught off guard by unexpected expenses due to unforeseen circumstances. With many companies owing money to lending institutions, these situations can often lead to delays or defaults on loans, lowering the business' credit and endangering their financial welfare. The irony is, many of these businesses will need additional financing in order to overcome and recover. Bad credit business loans can be notoriously difficult to obtain, and often come at an extraordinary cost.

Get the Working Capital Your Business Deserves

If you need money for your business, whether to finance growth or simply daily operating costs, contact Rapid Merchant Funding today. We've been helping small business everywhere get the money they need to stay on their feet. With reasonable terms and understanding qualification criteria, you could get that much-needed money within as little as five days. Contact us today to find out more.

Turn Future Sales into Cash with our Credit Card Factoring services.

If you need money for your business now, you might be hard pressed to find the place that will give it to you. People who you approach would first have to know what your business is all about and why they should fund you before giving you the funds. If you are looking for credit card factoring, you will have a hard time finding the right people but that is only if you look in the wrong places. If you look in the right places, you will find us, Rapid Merchant Funding who want to help you and your business out of a problem area and in to a bright future.

Our Unsecured Business Lines Of Credit Don't Require Personal Collateral.

If you run a business, chances are you might, at one stage or another, think about a cash loan. This might mean an unsecured business line of credit or a loan that has payments each month or any other form of cash loan. Regardless though of the type of loan, you will have to think of it sometime in your business career because it can make all the difference in your profits, potential boom of your company or the collapse of it. If you are thinking about one now, then you need to be prepared and if you wan to be, you need to come to us, Rapid Merchant Funding.

With our Merchant Cash Advance you don't have to risk your personal assets.

If you run a business, chances are you might, at one stage or another, think about a cash loan. This might mean an unsecured business line of credit or a loan that has payments each month or any other form of business cash advance. Regardless though of the type of loan, you will have to think of it sometime in your business career because it can make all the difference in your profits, potential boom of your company or the collapse of it. If you are thinking about one now, then you need to be prepared and if you wan to be, you need to come to us, Rapid Merchant Funding.

How fast can I receive my Merchant Cash Advance?

Rapid Merchant Funding provide you with unsecured business loans so now you can qualify for a merchant cash advance even if you have a bad credit record. There are many benefits to their services as compared to traditional loans, like you can get funding within 7 days; you do not need to send monthly payments; an easy, no obligation application; and a low paper work loan process in fact you can simply apply by calling their number (provided on the site). It actually is that easy and that simple, never thought it could happen but now your dream business can be yours without having to sell everything you own!

Why is a Credit Card Advance the best option?

You may be thinking of applying for a small business loan with your local bank, or maybe even with Rapid Merchant Funding now that you know all their benefits. But why not consider a credit card advance instead. This is type of funding is called receivables factoring and allows you to sell your future receivables at a discount. This means you get the money you will make in future now, when you need it most. You can then use this money to provide in whatever needs you may have such as equipment, advertising, expansion and so much more - now, finally, the options are limitless! Our Unsecured Restaurant Loans have great advantages, find out more! If you are a restaurant owner struggling with cash flow to keep your supplies and stock inventory up while waiting for credit card invoices to get settled, or have to carry certain clients for payments terms, using our services to raise funds in our innovative methods can be very helpful. Our restaurant loans process is simple and easy allowing you to obtain restaurant loans quickly and affordably.