FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs
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1 Guide t Business Cash Advance & Bank Statement Lan Prgrams Cash Advances: $2,500 - $1,000,000 Business Bank Statement Lans: $5,000 - $500,000 Canada Cash Advances: $5,000 - $500,000 (must have 9 mnths in business) As brrwers, small businesses are high risk because many fail in the first r secnd year f their life. Sme manage a steady grwth; sme will take a few years t really get tractin and mve tward grwth. With us, we will wrk t prvide yu with the ability t keep brrwing until yu and yur business have the credibility t qualify fr a traditinal lan r in cnjunctin with traditinal lan financing. We are very excited abut the success yu achieve by getting capital when yu need it! FundingEdge prvides small businesses with the capital they need t grw. With the cash advance & bank statement prgrams we are able t cnsider the health f yur business based n yur cash flw nt just credit scres. Our in depth understanding f small businesses means that we can prvide capital t businesses in as fast as 7 business days A cash advance is a type f funding, called receivables factring and allws a merchant t sell their future receivables at a discunt s that they can use funding fr wrking capital, equipment purchases, advertising, facility expansin, inventry, hiring staff, marketing, renvatins, etc. The bank statement prgram is als funding based n future receivables, and based n average bank balances/cash flw. (Merchant cash advances & bank statement lans are clsely related. We d have a bank statement lan prgram fr 2+ year ld businesses). Cash When It's Needed Mst! All business wners find themselves needing capital t grw and manage their businesses. At times, these businesses are unlikely t btain a cmmercial lan frm financial resurces because f unacceptable debt t incme ratis r lw persnal r business credit scres. Cnsider seeking a cash advance if yur business: Needs an immediate cash infusin, but is unable t btain cnventinal financing at a favrable rate. Cash advances are typically easier t qualify fr and quicker t btain than traditinal business lans. Is seeking flexible repayment terms. Terms in a cash advance agreement are generally mre flexible and pen t renegtiatin than thse f a traditinal lan, and are typically paid back quickly. Is currently unable t take n additinal credit bligatins. A business cash advance is nt a lan, s it will nt be reflected n yur credit reprt. Has a steady vlume f mnthly credit card sales r bank statement vlume ($15k minimum), with sales prjected t remain stable r increase. Mst prviders require that a business must maintain steady sales t avid default n the agreement (seasnal businesses cnsidered).
2 Guide t Business Cash Advance & Bank Statement Lan Prgrams Will nt be severely burdened by repayment f the advance. Since repayments are a percentage f sales rather than a fixed amunt per mnth, payments will increase as sales vlume increases. Des nt wn equipment r prperty t use as cllateral fr a traditinal lan. Cash advances d nt require cllateral t secure a debt. Cash advances are used by all types f business. A reputable prvider f small business cash advances r merchant cash advances shuld be able t assess yur needs mre specifically. Wh Qualifies? Since repayment f a business cash advance is based n yur business histrical and future sales, the business cash advance prvider bears the bulk f the risk in the transactin and requires a fee fr ding this. In rder fr the prvider t make sure that they maintain cash flw, they have certain criteria in rder fr a business t qualify fr a cash advance. Generally, prviders require that a business meet mst f the fllwing qualificatins: The business shuld maintain a certain amunt in mnthly credit card transactins and/r bank depsits (require at least $5,000 in credit card and/r $15,000 in bank mnthly bank depsits - n average). We can cnsider 'bank nly' depsits if yu dn't accept credit cards. Will need t knw if yur business is wrking with anther merchant cash advance prvider (If yu are we will need t knw wh and what the balance is - we d have a prgram fr secndary financing). Will need t knw if yur business has any existing liens r UCC Filings. The business must prvide financial infrmatin and prf f past sales - via statements. Minimum f 6 mnths in business. N mre than 5 NSF's per a mnth n average. Remember, the lender nly recups its csts if yur business is able t remain functining and prfitable, s it needs t evaluate whether r nt advancing n yur future sales will pay ff. Yur business desn t need t have stellar credit, but yu d need t shw that it is financially sund: a steady revenue stream, a prven histry f reliable sales, and reasnable perating csts. The mre infrmatin yu have that shws the prvider that yur business is a gd bet, the likelier yu are t get favrable rates and repayment terms The Prcess When applying fr a business cash advance, yu will want t have all f yur references, sales histry and any ther relevant dcuments n-hand such as current financial statements and 6-12 mnths credit card & bank statements.
3 Guide t Business Cash Advance & Bank Statement Lan Prgrams A prvider is mre cncerned with yur ability t perate yur business and pay back the lan quickly than in yur credit histry, even thugh this is taken int cnsideratin. The infrmatin requested varies depending n sales vlume, credit histry and the specific industry yur business perates. Apprval can take anywhere frm a few hurs t a few weeks, but typically within 1-7 days. Once apprved yu will be cntacted with the ffer terms and an advance amunt. If agreed upn, cntracts will be prvided t arrange fr funding and a daily payment amunt transferred daily. Since repayment is made autmatically as a prtin f yur daily credit card r bank statement receipts, and the amunt will vary based n the day, the lender will need access t yur merchant r read access t yur bank accunt. The cntract will state the advance amunt, the daily return rate, and what the prvider can d t recver in the event yu are unable t make yur payments as scheduled. Usually, if yu are unable t make payments yu will be cntacted fr payment arrangements. Tips fr Merchant Cash Advance Success Business cash advance has the ptential t help yur business manage its finances if dne crrectly and fr the right reasns. When deciding whether t seek an advance, cnsider: Cnsider the risk t cst factr fr the lender advancing the financing cnsidering time in business, cash flw, time in business and industry. Evaluate feasibility f repayment terms in the cntext f yur business. Any business that needs a cash payment shuld be aware that traditinal bank lan and lines f credit are nt the nly ptins. A cash advance r bank statement lan will allw yur business t get the cash it needs quickly. Cmmn Questins: Why a UCC? If the business ges under the UCC is in place t put the lender in the line with the ther creditrs t cllect back what we culd based n whatever assets the business has. There is n cllateralizatin per say. What is the Interest Rate? There is n daily interest rate. It is a netime fee which by the way is tax deductible. With an interest based lan yu write ff the interest paid-t-date. Since this is a nncmpunding fee yu can write ff the difference f the principal and payback amunt as a business expense. Can I pay it ff early? There is n benefit f paying ff early. The rate is a factr rate which des nt cmpund/fluctuate with time. Similar t an equipment lease.
4 Guide t Business Cash Advance & Bank Statement Lan Prgrams Hw Much Des an Advance Cst? Business cash advances r merchant cash advances are easier and quicker t get than bank lans, the histrical cash flw is cnsidered in making this decisin. Prviders usually charge a factr rate (smetimes called a prvider fee ) f 1.18 t 1.45 rate factr, depending n hw lng yu have been in business, yur current sales vlume, and ther factrs. If yu accept a cash advance, yu will be paying back the advance. Fr Example: Advance Amunt (example amunt) $10,000 Factr Rate (this example is 35) 35 Repayment Amunt At 35 r 1.35 Rate Factr $13,500 ($10,000 + $3,500 Prvider Fee) In the abve example, assuming daily transactins ttal $1000 n average with a typical daily retrieval rate f 25%, the business wuld be bligated t pay $250 each day t the merchant cash advance prvider in exchange fr the initial advance. Applicatin Checklist: Business Applicatin Cmpleted & Signed 2 Frms f Identificatin (at least Drivers License) - enlarged Vided Cmpany Check - fr each business lcatin and/r perating entity Signed Authrizatins - each wner must cmplete & sign certificatin/authrizatin Tax ID # - fr each business lcatin and/r perating accunt/entity Business License - fr each business lcatin and/r perating entity Prf f Citizenship - (Scial Security Card r Passprt r Vter ID) 6 Mnths Bank Statements & 6 Mnths Merchant Statements (If n merchant accunt is available then prvide bank statements nly [All Pages & Organized]). Prvide statements that crrespnd w/ accurate lcatin & entity. Fr Seasnal businesses such as hspitality 12 Mnths Statements are required. *Questins r fr an applicatin cntact cs@fundingedge.cm r call r *Applicatins can als be dwnladed directly frm website
5 Guide t Business Cash Advance & Bank Statement Lan Prgrams Imprtant Terms & Infrmatin If yu are cnsidering alternative finance ptins fr yur business, it is imprtant t becme familiar with the terminlgy used by the prviders f these services. The fllwing is a list f imprtant cncepts and terms cmmn t this type f transactin. Business Cash Advance: Smetimes called a merchant cash advance r a business cash advance lan, this is a financial transactin where a business sells a prtin f future sales in exchange fr a large cash payment. Payment amunts, repayment terms, and repayment amunts vary depending n the agreement reached with the advance prvider. Cash Advance Prvider: A business that purchases the future sales f anther business in exchange fr a cash payment. The prvider can be a large bank r a small business that specializes in this type f financial prduct. Factring Service Prvider: A business that purchases accunts receivable lans frm ther businesses. Factring Fee: The percentage that a factring cmpany charges fr cllecting n a purchased invice. Advance Amunt: The amunt f mney given t a business up frnt in exchange fr a percentage f future revenues. Factr Rate: Smetimes called prvider fee, the percentage f the advance amunt that the prvider charges t prvide the advance. The factr rate is usually between f the ttal cash advance. This rate varies depending n credit histry, business revenue amunts, and the risk the prvider feels it will bear in advancing the payment. Daily Retrieval Rate: The amunt a prvider cllects frm daily credit card revenue. Safe Retrieval %:The daily retrieval rate is based n this percentage, which is the prtin f daily sales that are safe t use fr daily repayment. This percentage varies depending n the vlume f credit card sales and the advance amunt.
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