Merchant Cash Advance

Merchant Cash Advance or Business Cash Advance is perfect for business owners who have difficulty securing traditional business loans or need funding for a special project. They are good for a variety of businesses including restaurants looking to expand or medical practices looking to buy new equipment. Repayment is a percentage of income so the loan is paid back as the business grows. Merchant Cash Advance also known as “credit card factoring” advances cash to any small to medium-sized business so you can expand your business and meet your obligations on time.

SBA Loans

Small Business Administration Loans are backed by the SBA and issued by various financial institutions throughout the U.S. You may use the loan solely for the acquisition or expansion of an owner-occupied business.  Several programs are designed to cover a variety of business needs.

Equipment Leasing

Business Equipment Leasing finances your company’s equipment, software, or furniture needs. It has many benefits compared to purchasing these items.

Leasing typically is easily approved and does not require additional collateral or a down payment. It is often used for medical, construction or restaurant equipment leasing. Businesses simply lease the equipment they need. Lines of credit are also left open when leasing, which means that money can be used for other expenses that are critical to your success.

Small Business Loans

Small business loans are hard to come by. They are primarily based on a company’s industry and the current lending environment. Our experts can help you find a vendor to match your needs and gets your company growing again with an injection of cash.

Start-up Finance

This is any financing used to start a company. We help you select the best way to provide the most cash flow for your business. Options include secured start-up financing, as well as factoring, credit lines, and loans.

Franchise Financing

We can offer financial solutions for purchasing a franchise that are faster than traditional lenders and are available to those that may have experienced bumps in the road with their personal finances.

Unsecured Loans

Businesses with good credit are good candidates for unsecured loans. They don’t require you to provide collateral (such as a house) or agree to a lien. The lender funds on the company’s promise to pay them back.

Payables Restructuring

This is a solution for companies that are struggling to pay their bills. Payables Restructuring is often used to avoid bankruptcy and to free up more working capital so you can get your business growing again.

Collections

Many businesses turn to collection agencies if they don’t have the time, resources or expertise to chase down what’s owed them. Choosing the wrong one can burn bridges with client relationships and still leave you with a pile of unpaid invoices. Instead, let CashFlow Direct refer one that’s reputable and suits your business’ particular needs.

Debt Consolidation

This is a convenient way to pay down debt at a lower or fixed interest rate. CashFlow Direct can help you find a specialist in this area so you can use those reduced payments to create more cash flow for your business.

Credit Insurance

Credit Insurance reduces your company’s risk when selling to others on credit terms – especially if you have only a few large customers. The insurer pays a percentage of an invoice should it remain unpaid as a result of protracted default, insolvency or bankruptcy. This way you protect yourself from going out of business if one of your clients does.

Merchant Card Services

This allows businesses to accept payments by debit or credit cards. Let CashFlow Direct do the legwork and find the service provider that best meets your business’ objectives.