Welcome To Our Merchant Advance Blog

Learn more about alternative financing solutions for your business

direct lenders online

A Guide to take Merchant Cash Advance From Direct Lenders Online or ISOs


Merchants who transact using traditional credit card processors are unaware of the benefits that Direct Lenders Online or Independent sales organizations can do for them. Independent sales organizations are businesses, which have been given the permission to trade without the constraints or affiliations to the government in spite of which they share the benefits that other financial institutions enjoy.The absence of an intermediary, better customer service platforms, and faster response time are all advantages for people who wish to transact with Independent sales organizations or wish to secure merchant cash advances from them. This article looks at what merchant cash advances mean and also acts as a guide for customers who wish to avail them.

What is Merchant Cash Advance?

Merchant Cash Advance(MCA) is a financing option provided usually too small or medium businesses wherein they can levy a small amount of cash in lieu of credit card sales that they may get in the future. ISOs or Direct Lenders Online are granted the rights to offer MCA. The manner in which an ISO evaluates the risks versus the returns from a MCA deal is quite different from that of a bank. All that they would need is a sneak peek into the credit sales figures of the business to ensure that they are in a position to repay the debt within the stipulated time period.

Guide to take MCA from Direct Lenders Online

In MCA dealings there are three main actors – debt-holder, lender, and the intermediary. The debt –holder is the small business who solicits the MCA, the lenders are Direct Lenders Online, and the intermediary here is the Independent sales who transact on the loan. As a customer, it is critical that one identifies both the lender and the intermediary that suits their requirements in order to ensure that the transactions are transparent and smooth.

An ISO usually takes a small fee that is commensurate with the effort for processing the loan and is referred to as transaction fees. It is, however, important to check out if there are any hidden costs levied by the Direct Lenders Online or ISO. An ISO is the bridge between the lender and the borrower and the choice of the best ISO is critical to ensuring that the MCA processes are hassle free and smooth.

The merchant should have complete details of the amounts involved such as the advance amount, payback amount, holdback, and term of the advance since all these are added on to the agreement between the Direct Lenders Online and the small business owner. It is advisable to get the contract verified by a legal entity. Each day a small percentage of the credit card sales amount is held back by the lender, which factors towards the payment of the MCA. It is necessary to ensure that there is a clear understanding of the terms and conditions in the deal.

So, if you are on the lookout for some quick funding for your small business, you must get your MCA right away.

loans with direct lenders only

What are the loans with direct lenders only Available in 2017


Are you looking for loans with direct lenders only? There might be several reasons why you would want to have such types of loans. Some of them are:

  •    You are tired with the sub-par service of indirect lenders like banks which enroll you into a bureaucratic system that sucks the life out of you and treats you in a very unsatisfying manner.
  •    You do not want to be just another customer of a multi-million dollar corporation that has millions of other customers and that treats you unfairly regardless of what your wishes are.
  •    You want to find loans with direct lenders only because you wish to have a loan experience that is much like a business venture, where you can truly discuss with your financier at an equal stage.
  •    Finally, you want to find loans that do not take as much time as loans with banks do and you also not want to work in a restrictive environment where policies are set in stone.

All of these are valid reasons to look for direct lenders. And even though, direct lenders will charge you with much more interest than indirect lenders would, there are still a few benefits of working with such a lender. But first we must understand what a direct lender is and what the best method to attain a direct lender loan is.

Direct lender loans

Direct lender loans are given by direct lenders. These lenders work independently without any interference or mandatory policies from any governmental bodies. They are not bound by the same restrictive rules as banks are and can perform on their own rules and regulations however they wish to do so. They provide loans with direct lenders only and excel at it at all levels.

And the best method to attain such loans is through the help of Merchant Cash Advance. It is a process that is designed by businessmen for the businessmen as well. In defiance of the restrictive and frustrating system of banks, Merchant Cash Advance has been gradually getting popular and popular among business owners all over the world. And in a world where banks are predicted to fall in the coming decades, Merchant Cash Advance is expected to rise even more.

It is a way through which business owners who are in need for financial support can freely come together with independent lenders and fulfill their dreams to take their businesses to the next levels. And there are many advantages to getting loans with direct lenders only as well. Some of them are:

Advantages of Merchant Cash Advance

  •    The loans with merchant cash advance can be completed in just twenty four hours.
  •    You will get a direct connection with your lender, with whom you can negotiate your terms with as the system does not have any restrictions.
  •    You will not be asked for collateral and you will be accepted even if you have a bad credit history.

So, loans with direct lenders only are a great way to attain financial capital for your business, and it is best done with Merchant Cash Advance. What are you waiting for?

no credit check direct lenders

No Credit Check Direct Lenders: Making the Right Choice


As your network of banks and financial institutions grows, you can probably see that your business contacts have a variety of needs. As an ISO (independent sales organization), you have the ability to pair financial institutions with businesses who are in need of working capital. You should know all the places that your clients can get no credit check direct lenders so that you can make the right recommendations when you’re ready to start offering merchant cash advances (MCAs) to your clients.

One of the reasons that no credit check direct lenders are so important to small businesses is that these lenders allow company owners to get the working capital that is necessary to keep a business going without checking the company’s credit score. This is a plus for businesses that are trying to repair their credit, as well as companies that are brand new and don’t have much business credit yet. Lenders that don’t take credit into consideration will likely not ask for collateral items either, which can be a relief for business owners. Some company owners may not feel comfortable offering the most valuable supplies and equipment in their business as collateral. For traditional loans, if the balance is not paid, the business owner will have to give you the collateral item, which could put him/her out of business.

When it comes to merchant cash advances, a business can search for a MCA lender with your assistance, and request a lump sum of cash from the lender based on the business’ needs. When the money is given to the small business, the amount is paid back each time the company makes a debit or credit card sale. This means that the lump sum is paid out in small increments. This form of business funding is often ideal for new businesses that don’t have collateral or a high credit score.

You can benefit from pairing no credit check direct lenders with small businesses by offering MCAs to small businesses. You will act as a liaison between the two entities so that the lender and the business are both comfortable with the terms before signing a contract. You’ll also take a small fee for your services, which means that offering MCAs can be beneficial for your ISO as well. When you use the networking resources you have to match the right lender with the appropriate debtor, you’ll find that the end result is beneficial for everyone involved. It’s up to you to communicate clearly with both families to make sure that everyone understands all the terms of the cash advance so that everyone gets the money that they need in a timely manner.

If you think that providing merchant cash advances could prove to be beneficial for your independent sales organization, talk this over with your finance team so that you can offer the MCAs that are especially beneficial for the companies you work with the most.

loan lenders

A Quick Guide on Using ISOs asMCA loan lenders


If you are a business owner who is looking to find loan lenders with Merchant Cash Advance to help take your business to new heights by getting working capital. Then you might have stumbled upon the term called ‘ISO’, now you might be wondering what ISOs are what their function is inside Merchant Cash Advance. But you do not have to worry because in this article we will talk all about ISOs, what they are, how they function in Merchant Cash Advance, and what use they are to you as MCA lenders themselves.

What are ISOs?

ISOs are Independent Sales Organizations who function as independent financial institutions separate from banks but still very much are in relation with banks. And it is because of these relations that they are able to issue credit cards to business owners and take care of all of their transactions by taking just a small transaction fees. These Independent Sales Organizations make the best loan lenders to business owners even without Merchant Cash Advance because of their direct involvement and connection with the business owners themselves.

And that is not all because Independent Sales Organizations are known to have many contacts with banks, business owners, and even Merchant Cash Advance Independent lenders.  And this is the reason why Independent Sales Organizations help many business owners find the right MCA lenders to do business with. Due to their contacts, they vouch for both the parties and establish credibility among them. But that is not all that Independent Sales Organizations do in MCA, but instead, they also pay a much larger role in the whole process.

How do ISOs work in Merchant Cash Advance?

Inside Merchant Cash Advance where Independent loan lenders provide fast and restriction free loans to business owners at higher interest rates than banks, Independent Sales Organizations have a largely important role to play.

As we all know that credit card transactions play a large part in the process of Merchant Cash Advance. After all, the repayment of the Merchant Cash Advance happens with the help of a pre-agreed upon a portion of the business owners’ future credit card sales which is sent directly to the lender.

But this transaction and making sure that the right portion of the money reaches both the lender and business owner is taken care by Independent Sales Organizations. And not just that, they also make sure that the loan lenders’ money is sent to them until the loan is paid in full along with interest.

ISOs as lenders

Contrary to the popular belief that Independent Sales Organizations are simply mediators in the process of Merchant Cash Advance, ISOs can also be good MCA lenders as well. By eliminating the need for any lender to provide the funding for the loan, Independent Sales Organizations simply provide the money to the business owner themselves. And since they have already worked with the business owners, their relationship can be one that is much longer lasting than the one with the one-time Merchant Cash Advance lenders.

So, we hope that this article has helped you understand how Independent Sales Organizations can be good loan lenders Merchant Cash Advance. As with them, you will receive your loan even faster and much safer than with any other possible way.

direct loan lenders

A Review of ISOs and Direct Loan Lenders in 2017


Independent Sales Organizations make acquiring a loan a lot easier with the help of direct loan lenders such as Merchant Cash Advance, in this day and age. The statement above has never been true before due to the rapidly changing perspectives of our society and the rate technology has evolved in has been conducive to making this true.

And to understand why this is true, we first need to look at what exactly is an Independent Sales Organizations, what do they represent in traditional Merchant Cash Advance loans and how they partner up with the best loan lenders through Merchant Cash Advance. All of which is return below for your review and understanding, and how you can profit from them as being a business owner looking to enhance your business interests.

What are Independent Sales Organizations?

Independent Sales Organizations, as the name suggests are the organizations that work without any restrictions of any government bodies. And even though they are not affiliated by any government schemes and limits, they still enjoy all kinds of benefits that governmental associated financial institutions like banks do.

Independent Sales Organizations have various contacts with direct loan lenders, business owners, and banks, all of which they use in the spread of their business. And they do businesses by providing credit cards affiliated with partner banks to business owners and handle all their purchase and cash flow in exchange for a small fee. This is beneficial for business owners as well as the Independent Sales Organization.

How do Independent Sales Organizations work with Merchant Cash Advance?

Independent Sales Organizations are very much an integral part of the complete process of the Merchant Cash Advance. Every process of Merchant Cash Advance has three parties:

  •    The lender
  •    The debtor
  •    The mediator

As the lender is the Independent lender who is the direct loan lenders and the debtor is the business owner who receives the loan, the mediator is the Independent Sales Organization, who transactions the loan. So, the job of the Independent Sales Organization is to take care of all transactions that happen between the lender and the debtor.

They make sure that the agreed-upon portion of the business owners’ credit card sales goes directly to the lender. They also make sure that the process repeats itself until the complete loan is filled. They do this in exchange for a small transaction fee. And many times, the Independent Sales Organization is the sole connection between the lender and the debtor.

How Independent Sales Organizations make the best direct loan lenders?

Independent Sales Organizations have started to become the lenders of Merchant Cash Advance themselves. This is because they already have connections with both the banks and the business owners. So, they do not need the use of Independent lenders of the Merchant Cash Advance to function anymore.

Instead, they can fund the business owners they believe in themselves, garner more profit at an even faster rate. And it also helps the business owner pay just single fees to the Independent Sales Organization and not the untrustworthy lender.

And so, if you want direct loan lenders Merchant Cash Advance then you should definitely go with Independent Sales Organizations.

merchant lenders

The role of independent sales organization in merchant cash advance industry


So many claims have been made in the last five years about the developing of the merchant cash advance industry. Merchant lenders claim that they are offering a service that was abandoned by the traditional backs. The service includes offering loans to small business that might be a difference between survival and foreclosure. Despite many challenges that the merchant cash advance industry has encountered, the industry is still booming while the economy is regaining its footing. On top of that, the independent sales organizations who have expanded into merchant cash advance business have discovered a fantastic money-generating opportunity.

What is Merchant cash advance and ISO

For an independent sales organization to successfully be part of the merchant cash advance industry, they must have sufficient cash to finance a small business. In a situation where an independent sales organization sufficient money, they will realize more income much sooner than an independent sales organization that has insufficient cash. Although the independent sales organization might not have all the money upfront, the ISO executives in the merchant lenders understand that income received from cash advances might surpass the profits generated from other merchant accounts.

Note that there are other benefits of venturing into the merchant cash advance business. The majority of merchant cash advance providers understand that owners have an opportunity to know their clients better since the application procedure requires a detailed information exchange. This is vital since it creates a stronger partnership bonds while extending the business relationship. On top of that, small instant loans from merchant cash advance lenders play a crucial role in keeping the striving business alive. If a company meets all the qualifications and fulfills their end of the agreement, the merchant cash advance lender is the perfect alternative for them once they need a little assistance to pull ahead.

It is evident that there is high demand for instant small loans to assist struggling business. This is because very few traditional banks tend to provide small business loans. If you are lucky to get one that offers the loan, you will realize that they place unattainable demands on the business owners. Note that independent sales organizations play a vital role in the development of merchant lenders in the following ways:

Establishing credibility

The work of independent sales organization is to ensure that there is credibility with the business owner and the merchant lender. Given that the independent sales organization have a massive network, they offer the first connection between the lender and the business owner. Bear in mind that the independent sales organizations are the only sources of establishing credibility between the two parties.

Promoting communication

Because of their previous business venture, independent sales organization have good relations with both the borrowers and merchant lenders. The relations help them become good mediators between the two parties. In most cases, you will realize that independent sales organization are the only means through which the merchant lender and the business owner can communicate with one another.

loans from direct lender online

Making Money as a Merchant Cash Advance Seller with Loans from Direct Lender Online


It is evident that business owners who get Loans from direct lender online don’t always find them by searching the internet. They are more likely to obtain the funding simply because a reliable independent sales organization walked through their doors and convinced them. As an independent sales organization, you must use a friendly approach when talking to your merchant to convince them to take a loan from a reputable MCA company.

Online lending in an offline world

Even though the merchant cash advance is a form of online lending, much of the selling of its services takes place offline by independent sales organizations who call and visit merchant’s working places. The majority of firms that finance merchant cash advance rely on these independent sales organization agents to connect entrepreneurs who need Loans from direct lender online for their short-term financing.

Working on commission

Once you venture into the merchant cash advance business, you will be involved in selling these products and earn a commission in return. Note that merchant cash advance is a business model whereby the independent sales organizations receive commissions for arranging new loan products for business owners. Since they do not retain the interest in the loans they offer to their clients, this leads to incentives for the independent sales organizations to evaluate and monitor loans less austerely.

For many years, Independent sales organizations have been playing a vital role in connecting the business owners and Loans from direct lender online. The article will examine the merchant cash advance financing procedure. This will help you understand how important the independent sales organization is to merchant lenders.

A conversation between an independent sales origination and a business owner is conducted. A business owner is issued with an application and requested to fill the form and then instructed to apply with some merchant processing statements. The independent sales organization will conduct a follow-up till the application and statements have been submitted. An agent from the individual sales organization will carry out a quick evaluation of the business to find out which funder is to send the application to.

The approval and stipulation of the Loans from direct lender online are sent back to the independent sales organization. The independent sales organization then delivers the offers and requirement to the merchants.  The business owner will then pick an offer, and the independent sales organization will ask contract from the merchant lender. After that, they will send the contract to business owners and inform them about the stipulations. The independent sales organization will then obtain the contract, and the stipulating documents from the client convey them to the financier. The lender conducts the final evaluations and contacts the business owner and the independent sales organization is paid.

It is evident that independent sales organization play a great role in ensuring that the deal is funded. For that reason, provided the demand for merchant cash advance continues to grow, new independent sales organization will enter the market while the savings financiers gain.

instant lending benefits

3 Benefits of Using Instant Lending from Merchant Cash Advance Lenders


Independent Sales Organization has been partnering with entrepreneurs to take care of their financial obligations by offering them credit cards that are tied-up with financial institutions. In most cases, independent sales organizations have access to numerous contacts with various banks. They also partner with entrepreneurs and with many independent lenders and other independent sales organizations who provide instant lending.

Note that independent sales organizations are not mandated to adhere to the rules of government authorized institutions. For this reason, they have all the freedom to make their rules and regulations. This article will talk about the benefits merchant cash advance provides. It will also highlight how the independent sales organization work with the merchant cash advance to make sure the business owners have obtained the loans they desperately need.

A merchant cash advance is an alternative where an entrepreneur who needs instant working capital sell a percentage of their future credit sales to independent creditors. In return, the creditors will get an upfront large capital sum.

Irrespective of the industry you engage yourself in, your small business might need some financial help anytime. Fortunately, with the help of independent sales organizations, you can get instant lending from reputable merchant cash advance lenders. The independent sales organizations tend to act as middlemen between business owners and merchant cash advance lenders. This is because they are accessible to an array of network contacts with other financial institutions, business owners, and merchant cash advance lenders.

As a result of this vast network of contacts, the independent sales organizations are beneficial to merchant cash advance. With this kind of lending, you can apply and get approved or the funds you need with two days so long as the independent sales organization connects you with a reliable merchant lender. Here are three distinct advantages of instant lending from merchant cash advance.

Essay to get approved

It is evident that a reliable independent sales organization will advise their client to opt for MCA loan since it is easy to qualify for and get approved. Whereas established traditional banks will place some stringent lending criteria on business owners, merchant cash advance lenders don’t.

Cash is funded quickly

It is evident that typical business loan will take like forever by the time you get the funds it at all you are approved.  To begin with, the application process is lengthy and cumbersome, and it will take the lender a longer duration to evaluate the application before determining whether you are approved. However, with instant lending from merchant cash advance, you will expect to get the funds within a shorter duration. The waiting period includes the application form and approval procedures. For this reason, any time you instant cash, just talk to a reliable independent sales organizations to help you get the lending you need for your business.

Convenience

With instant lending, you don’t need to go to the bank to physically fill the application form when you need a loan. This is because you can do everything online from the comfort of your home. On top that, the customer support lines of the most reliable merchant lender’s website is open 24/7.

sell merchant cash advance

Reasons for selling merchant cash advance services as independent sales organization


What is a merchant cash advance?

A merchant cash advance is a kind of business financing where an entrepreneur is offered upfront cash for their future credit and debit card transactions. Once a business owner receives the money, he is required to pay back the cash advance plus a premium to the hard money lenders. The cash provider takes an agreed-upon portion of monthly credit card transactions, and the payment depends on the size of the cash advance, the alleged risk of the business and the terms of payment. The money lender will continue deducting the payment until all the advance, and the premium has been fully repaid to the merchant cash advance company.

A merchant cash advance is a lending alternative that is suitable for any business that accepts credit card transactions as their mode of payment. The business that benefits from merchant cash advance lending include retail business, restaurants and service firms that have strong credit card sales.

What is independent sales organization?

This is a third party service provider that represents  hard money lenders  who sell financial loan products. The role of an independent sales organization is to set up a partnership between merchant lenders and business owners. As an independent sales organization, make sure you partner with a merchant cash provider that offers fast and easy financing solution for your clients while you earn some good commission. It is good to get a money lender who understands a flexible and versatile small business financier plays a vital role in driving sales while ensuring that you succeed in your business.

The majority of merchant cash advance lenders have various programs that are designed for your client’s unique challenges. A reliable lender will have experience in underwriting and pricing, and a business development team of professional ready to help you with tools and the required training. Get a program that purposely designed to meet all your requirements.  The majority of merchant lenders will finance business deals up to $ 500000 in less than two days and pay top commissions to their independent sales organizations. As a result, you will earn a significant income while taking care of the working capital requirement of your small business clients.

The advantages of getting into merchant cash advance industry

  •    You get volume-based commission programs
  •    Highly competitive buying rates
  •    Capability to take part in financing various business deals
  •    Determined in-house support for fast application and loan processing
  •    Uncomplicated online reporting and application procedure

The key role of the independent sales organization is searching and convincing various business owners to apply for financial loan products from merchant lenders that they have a partnership. Note that processing of payment tends to be another role if independent sales organization. They are also responsible for matching the merchant services of the lender with business owners. Note that they can as well offer their merchant services to their clients and therefore there are eligible to underwrite the loan processing on behalf of the hard money lenders.

Successful Independent Sales Organization

Keys to Becoming a Successful Independent Sales Organization


An independent sales organization is a third party entity that is authorized to represent a merchant lender in selling the merchant cash advance service with the help of Instant loan lenders to business owners. In most cases, the sales agents who contact small business owners work for their respective independent sales organizations. On top of that, an independent sales organization is allowed to add their makeup to the merchant cash advance service they sell. Normally, the independent sales organization has access to multiple contacts with business owners and Instant loan lenders. With this, they can reach and connect many merchant cash advance lenders with many business owners who need instant loans.

As the MCA industry continues to experience some development, the role of an independent sales organization tends to be a valuable asset. They work alongside lenders such as merchant cash advance while they remain as a separate entity from the merchant company. As an independent sales organization, there are so many ways in which you are beneficial to both your client and the merchant cash advance company. Read through to understand how valuable your service is to the merchant cash advance industry.

Securing new clients looking for Instant loan lenders

One of the key roles of the independent sales organization is to look for new customers who need financial help offered by the lenders such as merchant cash advance industry. Given all the transactions involves credit processing, this implies the establishment of merchant accounts that the merchant lender will use when receiving payments from his or clients. Being part of the procedure, the officials from the independent sales organization provides a layout plan that comprises specific rates for the card processing. They might also be required to offer some of the things required to initiate and complete the transactions.

Exploring the options of terminal leasing and purchasing

The other role of an independent sales organization is to help their client in determining whether the purchasing terminals as part of the arrangement are suitable for their client’s business. They also help the client in finding out if the leasing of property and equipment is a good alternative. However, this will be dependent on the type of business enterprise that your client operates, sales volume of the transactions and various factors. The key objective as an independent sales organization is to help customers get financial loan products that suit their business. Independent sales organization is also responsible for ensuring that the funds from those transactions are transferred to the client’s business bank account with the shortest duration possible.

Customer support and service

Another crucial role of an independent sales organization is to provide continuing customer service and support to his client. The starts immediately the decision to create a merchant account is established. As an independent sales organization representative, you will assist in setting up the terminal while providing instructions on how to process payment. You will as well be required to walk the customer through all the features associated with the terminal.

Note that an effective independent sales organization must be able to bring together customers who need high-quality financial loan products from Instant loan lenders who can provide them. Assisting in managing and strengthening the relationship ensures that the two entities benefit from the agreement, and continue doing the same for a longer period.