THE MERCHANT CASH ADVANCE APPLICATION PROCESS A GUIDE FOR BUSINESS OWNERS (WHAT TO KNOW, NO MATTER WHO YOU APPLY TO)
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1 THEMERCHANTCASHADVANCEAPPLICATIONPROCESS AGUIDEFORBUSINESSOWNERS (WHATTOKNOW,NOMATTERWHOYOUAPPLYTO) By:TheMerchantCashAdvanceResource AsitededicatedtoindependentinsightandresourcesontheMerchantCashAdvanceIndustry TheMerchantCashAdvanceResourcewww.merchantcashadvanceresource.com2011
2 1.COMPLETINGANAPPLICATION TheMajorityofMerchantCashAdvanceprovidersrequirebothbusinessandpersonal informationwhenapplying.socialsecuritynumbersandsignaturesarerequiredto authorizeacreditpull.howyourcreditaffectsyourapprovaldependsontheunderwriting criteriaoftheindividualfirm.allofthemaredifferent. TheMerchantCashAdvanceResourcewww.merchantcashadvanceresource.com2011
3 2.SUBMITTINGMERCHANTPROCESSINGSTATEMENTS Theseareseparatefromyourbankstatements.Manybusinessownersassumethatsince theirbankaccounthasarecordofalldepositsfromtheirmerchantprocessor,thatbank statementsalonearesufficient.thisisnotthecase.whilebankstatementswillbeasked for,themerchantprocessingstatementsarenecessaryforinformationlikesalesvolumeby cardtype,returnfrequency,chargebackhistory,processingfees,monthlycosts,batch frequency,averagetransactionsize,andprocessorimposedreserves. TheMerchantCashAdvanceResourcewww.merchantcashadvanceresource.com2011
4 TheMerchantCashAdvanceResourcewww.merchantcashadvanceresource.com2011
5 3.SUBMITTINGBUSINESSBANKSTATEMENTS Thisshouldbeself explanatory.allpagesofeachbankstatementwillberequired.sending thefirstpagesummarydoesnotsuffice.themerchantcashadvanceprovidermayuse thesetoanalyzedailycashflow,verifyactivityfromyourmerchantprocessingstatements, andreviewwhatfundsarebeingusedfor. 4.SUBMITTINGADDITIONALDOCUMENTS EveryMerchantCashAdvanceproviderisdifferent.Anyofthefollowingmayberequested: ArticlesofIncorporation K 1ofrecentbusinesstaxreturn(toverifyownershipbreakdown) Businesspropertylease Driver slicenseorphotoidofowner(s) Voidedcheck(wherefundswillbedeposited) Recentbusinesstaxreturn FinancialStatements 5.VERBALREFERENCES Underwritersmaycontactyourvendors,yourbusinesspropertylandlord,orthebank holdingthemortgageonthebusinessproperty.theywilltrytodetermineifyouarein goodstandingandlikelihoodyouwillcontinuetooperateatthatlocationunhindered. 6.PHONEINTERVIEW AllMerchantCashAdvanceproviderswillspeakwithyouatsomepointduringtheprocess toreviewbusinessinformation,discussyouruseoffunds,andgaugeyourunderstanding andwillingnesstofollowthroughwiththecontractterms. TheMerchantCashAdvanceResourcewww.merchantcashadvanceresource.com2011
6 7.SITEINSPECTION SomeMerchantCashAdvanceprovidershireanindependentinspectionfirmtovisityour location,verifytheaddress,examineinventory,andtakenoteofhowmanycreditcard machinesareonsite. 8.ESTABLISHTHEMETHODOFREPAYMENT Iftherecoveryoffuturereceivablesisstructuredtooccurviasplitfunding,youmaybe convertedtoanewmerchantprocessingcompany.thisisnotthecaseforallproviders. Youwillgenerallyneedtoprocesscardsfor2fullbusinessdaysinamannerthatthe providerisabletomonitorpriortofunding IftherecoveryoffuturereceivablesisstructuredtooccurviaaLockbox,thenthiswillbe theverylaststepintheprocess.youwillgenerallyneed2fullbusinessdaysworthof merchantsalestobedepositedintothisaccountpriortofunding. Iftherecoveryoffuturereceivablesisstructuredtooccurviadirectdebit,atestdebitmay occurpriortofundingtoensuretheprocesswillwork. 9.COMPLETION/FUNDSTRANSMITTEDTOYOU Onceyoureceivefunds,theMerchantCashAdvanceproviderwillrecovertheirpurchased receivablesinaccordancewiththecontract. TheMerchantCashAdvanceResourcewww.merchantcashadvanceresource.com2011
7 GLOSSARY MerchantCashAdvance:Thisisapurchaseofabusiness'sfuturecredit/debitcardreceivablesata discountedprice.itisverysimilartoaccountsreceivablefactoring,withtheexceptionthatthesereceivables donotyetexistatthetimeofsale.themerchantcashadvanceproviderretrievestheirpurchaseby withholdingaspecifiedpercentageofeachcardsaletransacted.businessownersshouldbeawarethatthere isnotablanketcostorretrievalpercentageforthisfinancialproduct.therearemanyprovidersandallof themarerequiredtoevaluateyourbusinessfromtheirownperspectiveandcreateapersonalizedoffer.most willpresentyouwithseveraloptionswithdifferentstructurestochoosefrom. AdvanceAmount:TheamountadvancedtothebusinessownerisreallycalledthePurchasePrice.Itisthe discountedpricepaidtothebusinessinexchangefortheirfuturecredit/debitcardreceivables. RetrievalRate:Thisisthepercentagewithheldfromeachcredit/debitcardtransactionandforwardedtothe MerchantCashAdvanceprovider.Thisrateispredeterminedinthecontractandunderallnormal circumstancescannotbechanged.itisoftenreferredtoastheholdbackpercentageorwithholdrate. PaybackAmount:ThisisthecostoftheadvanceandshouldbereferredtoasthePurchasedAmount.The MerchantCashAdvanceproviderpaysadiscountedprice(theAdvance)tothebusinessownerforaspecified purchaseoffuturecredit/debitcardsales. SplitFunding:SplitFundingisamethodusedforaMerchantCashAdvanceprovidertorecovertheir purchasedcredit/debitcardreceivables.themerchantprocessorplaysakeyrolesincetheyaretheonesthat actually"split"thebusiness'sdepositsbetweenthebusinessandthemerchantcashadvanceprovider.the percentagesplitisdeterminedbytheretrievalrate. TheMerchantCashAdvanceprovidermusthaveapre existingsplitpartnershipwiththemerchantprocessor forthistobepossible.morethanlikelythebusinessownerwillneedtochangetheirmerchantprocessorto obtainthefunds.someproviderscanstructurealternativestothesplitfundingmethod. LockboxFunding:Alockboxisabankaccountresponsibleforthecollectionofpayments.Analternativeto thesplitfundingmethodislockboxfunding.thisinvolvesthemerchantcashadvanceprovideropeninga lockboxaccountforabusiness.thebusinessmustinstructtheirmerchantprocessortodeposittheirsales intothisaccountuntiltheadvanceobligationshavebeenfulfilled.thebusiness scredit/debitcardsaleswill bedepositedintothisaccountandthebankwillappropriatelysplitthefundsinaccordancewiththeretrieval Rate.Thebusinessandtheadvanceproviderreceivetheirsplitbybankwire. RestrictedIndustries:Noteverybusinessthatacceptscreditcardscanapplyforfunding.Thebusiness modelalonemaybecausefordisqualification.restrictedindustrytypesarebynomeansuniformacrossthe industry,nordoesbeinghighriskimplythatanapprovalisnotpossible.businessownersshouldconsultwith theirsalesrepresentativetodeterminetheiroptions. TheMerchantCashAdvanceResourcewww.merchantcashadvanceresource.com2011
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