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The role of ISO merchants in merchant cash advance industry

Over the last few years, the merchant cash advance industry has been experiencing tremendous development. This is because the merchant lenders are known to provide lending services that were abandoned by the conventional banks. These services include providing loans for a startup business that could help them not to collapse. Regardless of the numerous challenges that the merchant cash advance industry has been facing, the lending sector is still booming as the economy regains its ground. Additionally, the independent sales organizations who have diversified into merchant cash advance business have found a lucrative opportunity to generate income.

What are merchant cash advance (MCA) and independent sales organization(ISO)

For any independent sales organization to successfully venture into the merchant cash advance industry, they are required to have sufficient money to fund the small business. This will help them generate more income faster than an ISO merchant that has insufficient funds. Even though the independent sales organization might not have all the cash up front, the merchant cash advance lender whom they work for understand that the income generated from cash advance will exceed the profit made from various merchant accounts.

Bear in mind that there are numerous perks of selling the merchant cash advance services as an ISO. Many merchant cash advance lenders understand that the independent sales organizations have a better chance of knowing their customers well since the application process entails a detailed information exchange. This is useful since it helps in creating a stronger partnership bonds while extending the business relationship. Additionally, small instant loans from merchant cash advance lenders play a vital role in keeping the struggling and dangling business afloat. Once a business meets all the qualifications and can fulfill their end of the agreement, an MCA lender is the best alternative for them when they are in need of little help to pull ahead.

The truth is that the demand for an instant business loan to save the struggling business is high, and this is triggered by the fact that just a few traditional banks are ready to provide small business loans. Even if you manage to get one that provides that kind of loans, you will just be discouraged with their unattainable demands placed.

Independent sales organizations play a critical role in the growth of merchant lenders in the following ways:

They establish credibility

The role of a ISO merchant is to make sure that there is credibility with the borrower and the merchant cash advance lender. Since the independent sales organization prides on having massive client network, they provide the first connection between the borrower and the merchant lender. For this reason, they are the sole source of establishing credibility between the two business entities.

They promote communication

Independent sales organizations can relate well with both the merchant lender and the business owner. The good relation displayed by these ISOs helps them to be good intermediaries between the lender and the borrower. The ISOs provide a good channel where the merchant lender and business owner uses to communicate with one another.

An ISO merchant is a third party service provider that is mandated to represent a merchant cash advance lender and other lending institutions to sell their merchant cash advances services to business owners. As the third-party organization, the duty of an independent sales organization in the merchant cash advance lending is to create a partnership with various merchant cash advance firms to get good business finances for small business owners who need instant funding. In essence, an ISO signs an agreement with the business owner and the merchant lenders that are licensed and certified by relevant authorities. Note that the agreement allows the independent sales organizations to serve as agents of any merchant cash advance lender that they work for in the industry.

The primary goal of an independent sales organization is to sell the merchant cash advance loans belonging to a specific cash advance company. Bear in mind that the processing of the business funding is one of the major tasks of the independent sales organizations and they as well help to match the merchant cash advance services of lending with small business. Additionally, an ISO merchant can lend out the business financing to small business owners, and for that reason, they have the authority to underwrite these deals. As a result, the ISO has an onus to consent all the loan liabilities or risks associated with the services they provide to their clients. In many cases, you will realize that the established sales organizations take advantage of the benefits of selling their services to small independent sales organizations in the industry who are just starting. The established ISOs will pay themselves by deducting some fees for the services.

For the reason that the e-commerce is turning out to be a global thing that is used in everyday life, the demand of ISO merchants will continue to go up. Additionally, many small business owners are now opting to secure their business finance from the merchant cash advance companies. Regardless of the size of the business you run, partnering with some reputable independent sales organizations when you need instant business financing is of paramount importance since it will help you speed up the procedure.

How Independent sales organizations (ISO) merchant can help Your Business Generate More income

When an independent sales organization and direct lender want to lend out a business financing to any business owner, they must determine if your business needs a small business loan or a merchant cash advance. Acquiring these details and proper management is of paramount significance as they help you sustain your business by providing the appropriate type of business funding.

The cash flow and credit score of your company are the two parameters that an independent sales organization will look at when determining the best alternative to business lending for your business. Usually, a merchant cash advance is best designed for the business that has below average credits. When looking at the cash flow, a business that is characterized by fluctuating cash flow every day will get the benefits provided by a merchant cash advance mode of lending. A merchant cash lender will remit a percentage of the daily credit card receivables of your business, and for that reason, the income that an ISO merchant gets from the business owner will vary.

Note that the benefits of partnering with a reputable merchant cash companies are incomparable. The cash flow and credit assessment force the affairs of the client and this helps in creating a healthy relationship between the ISO merchant and the business owner. This plays a vital role in expediting the business financing process. Additionally, the independent sales organizations have a great chance of getting new business owners who are not happy with their current merchant cash advance lenders.

Should you apply for the merchant cash advance on your own?

Once you decide to apply for a business funding from a merchant cash advance lender, contemplating on doing the application procedure might not be a smart idea. This is due to the numerous steps involved in the process such as conducting the research to find the best lender and determining what your business needs to get the right business finance that suits your needs. Additionally, you will be required to negotiate for the best deals as you ensure that you understand all the terms and conditions of the lending alternative.

Reasons to use an independent sales organization

ISO merchant will do all the activities required until the advance is transferred to your business account hence saving you time and energy. This is why many business owners prefer working with them. As an entrepreneur who is running a startup business, you surely have many things that you need to make sure they are done. The duty of an ISO merchant is to assume the inconvenience if searching for a reputable merchant lender off your shoulders. Nevertheless, there are other reasons why the majority of small business prefer using the services of an ISO merchant.

They help business owners explore different lending options

The lending industry has many merchant cash companies that are ready to offer you financial support once you need one. Once you partner with an independent sales organization, they will link you with different reliable merchant lenders that could get them on your own.

Helps business owners to get better rates

The moment an independent sales organizations get your business finance application, they spread the loan request to different reliable merchant cash advance lenders. This plays a vital role in making sure that a business owner gets the best rate for the business funding in the market. Having the capability to know the amount your business loan will cost is a great money-saver for the majority of small business owners.

Final word

Bear in mind that many businesses are now accepting credit card transactions as a mode of payment, making them eligible for merchant cash advance lending. As a result, the demand for the ISO merchants in the merchant cash advance industry continues to increase.


best hard money lender

Reasons to work with the best hard money lender

If you want to venture into real estate as an investor or a developer, but you don’t have enough funds to finance the projects, approaching the best hard money lender will help you realize your dreams. In the real estate industry, choosing the best lender is equally important as choosing the right property. Knowing how to find the best hard money lender is not a complicated thing, you just need to understand the parameters to consider.

In the world of lending, choosing a hard money lender that suits your needs is vital. Here is a step by step guide that can help you make an informed decision.

Picking the right type of property

This is an important thing to do since the majority of lenders will only fund some specific types of property. Make sure that your potential hard money lender has the license to fund in the region in which your preferred property is situated.  In case you don’t have a property in mind, a good hard money lender will assist you to get the property based on a certain search criterion.

Pile up a list of hard money lenders

Once you match your property with a compatible lender who is ready to fund the whole project, another parameter to ponder is your skills level with the flipping and renovation. While some hard money lenders are best suited to novices, others are more compatible with skilled investors. Additionally, the majority of lenders will look at the credit score of the borrower and a minimum down payment.

Research every lender

The moment you compile your list of lenders, ensure that you conduct some background check. Look at their qualification credentials and licensing. Talk to the lender’s previous clients and do a follow up to get some references. Try to check the online reviews, testimonials and if you realize that their us a high complaint has been filed, know that it’s not the best.

Research the industry standards

It is hard to know the best lender if you are not sure about the common mortgage financing standards in the industry. Additionally, it will be hard for you to wade off the scam artist if you don’t know what happens on the ground. The best hard money lenders will finance 50 to 70% of the after (repair value) ARV of the property. If the lender intends to finance the property on the loan-to-value-ratio(LVT) with no ARV alternative, they will not cater for the repair expenses.

Look at the red flag

When searching for the best hard money lender, one of the vital things to look out for is how open and clear the lender is with their lending criteria. Reliable will explain to you every step of the transaction, comprising all the charges, and other additional expenses. This will do this wholeheartedly for you to understand what is expected and required for the deal to sail through. If the lender is not open about the cost and fees, dwells on the same topic while avoiding your questions, or attempts to introduce other irreverent items, just avoid such a lender.

Look at the benefits

The majority of hard money lenders will provide some other additional equipment, software, and programmers featured on their loans to educate you further and provide training for the investment success. Never should you shy off from finding out which types of tools and software the lender can contribute. The best hard money lender will be thrilled with your achievements, and they will be happy to help you through the entire procedure.

Compare the pros and cons and choose the best

Given that you have all the required information about the lenders, it is now the time to compare and contrast. Create a list of ups and downs of each hard money lender vis-à-vis your property to make sure that the lender you get will be the best suited for your financial requirements.

Why you need to choose the best hard money lender

The role of the best hard money lenders in the real estate industry is to provide funding solutions to real estate investors and developers that traditional banks can’t offer. These are service providers who can help you in boosting your income and protecting your cash flow, especially if you are in the business of purchasing and renovating apartments. While most of those projects are profitable, you will always miss out those opportunities you have limited funds.

Getting a financial aid to support your renovation project is never an easy task. Bear in mind that traditional banks do not specialize in this kind of loans and they always avoid them. However, numerous best hard money lenders are ready to offer the best solution and with the introduction of the internet, finding one is made easier. Note that the services offered and the fees charged will vary from one lender to another, and for this reason, it is always good to carry out a slight comparison.

There are so many parameters to ponder when shopping for these lenders since some lenders will offer their services as individuals while others will do it as small companies. Other service providers will focus on providing their services locally while others countrywide. While there is an opportunity to getting the loan from an individual or a small business, talking to a more experienced hard money lending firm will make you feel safe.

If your projects are about searching for fix-and-flips at affordable prices, you will need to consider approaching a nationwide hard money lender that specializes in renovation funding. In most cases, they will fund up to 100 % of the buying price, show you how to convince the seller to pay up to the closing costs and provide renovation funds for your projects.

Reasons to create a good relationship with a lender

The real estate investors and developers who are making a sentry into the real estate industry might find it difficult to procure a sensible deal in the market. The fact is that sourcing loans to inject into various projects is never an easy thing to do for someone who is green in this field. However, some experience, an investor will come up with ways to solve the problems and find the best hard money lender who is ready to offer the financial support. Some recent findings have revealed that real estate developers and investors will bond with the best hard money lenders without much struggle. In most cases, those long-time relationships did not happen by accident, but it was a deliberate action by the two parties. A mutual understanding among the involved parties is a vital tool that helps both the borrower and the lender spread their business circle and generate more income.

The most successful investors in the real estate business have been experiencing tremendous success on just because they decided to invest in a strong relationship with the hard money lenders. Those accomplished business owners in this industry understand that a good relationship with their lenders has always helped them obtain a huge amount of loans. With the accessibility of easy funding, investors will have an opportunity to strike the best deals whenever they want. Even the beginners in the real estate field can make their dreams true if they create a friendly relationship with the hard money lenders.

Even though the majority of people will consider it as sycophancy, you will need to go an extra mile to woo the lenders. While this is a professional sector, bear in mind that having a personal relationship with your best hard money lender will help you know the types of deals your lender prefers to work on. Additionally, a candid conversation at the dinner table will disclose numerous unhidden facts about them and what you are seeking. This might help you pick the best deal for your investment purposes.

The moment you create a strong relationship with a reliable hard money lender in the real estate industry, you will not have to look back since success will be your daily portion. Additionally, you will be exposed to numerous business opportunities. In most cases, you realize that the majority of investors in the real estate industry fear to secure a hard money loan because of some reasons are better known to them. However, if you pal up with the best hard money lender, you have many chances to secure a loan at a favorable rate.

Bear in mind that hard money lenders vary from one another in their loan-to-value guidelines, the kind of property they fund, mortgage size and the geographical area they serve. The best way to get the best hard money lender is to look for references from local title firms, realtors and mortgage providers because they are all involved in buying and selling homes. Another best way to get some referral is to ask for information from local real estate investor organizations. As an investor, make sure you search for lenders in advance for you to start building a good relationship that will facilitate fast financing of projects.  

hard money mortgage

What You Need to Know About a Hard Money Mortgage Loan

What is a Hard Money Mortgage Loan?

A hard money loan can be defined as a short-term house financing alternative that is used in the purchasing of an investment property. Typically, this form of financing is given to real estate investors for remodeling of rental houses, fix-and-flip projects or just to facilitate the buying process and transfer of real estate.

A hard money mortgage loan is designed explicitly for investment properties, and their primary role is to financing the purchase of a real estate or funding a renovation of a property. The funding is accessed easy and fast than the traditional mortgage because the qualification is flexible. A hard money loan helps fix-and-flip investors and real estate investors to build a strong rental portfolio.

This is one of the best short-term financing alternatives that give the majority of investors the flexibility and speed they need when investing in real estate. Many investors prefer getting a hard money mortgage loan because it requires a fast prequalification, quicktime to funding, a minimal borrower qualifications and they can use the loan to finance a rehab.

In most cases, short-term investors will use their hard money rehab loans to fix-and-flip their real estate property within one year or less. On the other hand, long-term investors usually use the funds to buy and remodel a fixer-upper before refinancing to a traditional montage and rent out the property to tenants.

However, the majority of long-term lenders are portfolio investors, in such a way that they possess several investment properties. For this reason, traditional banks will tend to be reluctant when issuing the conventional loans if the investor is still financing over four mortgages. Because of the limitation of the financial institutions when giving out the conventional mortgage, hard money loans have become more a useful alternative. For this reason, even the buy-and-hold investors find this option helpful.

Additionally, given that hard money mortgages have a fast approval rate and funding times, almost all real estate from all stripes must use the funding to compete with all-cash purchasers at a real estate auction.

Who is a hard money mortgage loan meant for?

Both the short term and long term investors can access this type of funding. Three parties use hard money loans, and they include:

  •    Fix-and-flippers
  •    Buy-and-hold investors
  •    Portfolio investors

How do the short-term and long-term investors use hard money loans?

Fix and flip investors

These are short-term real estate investors who what to buy, renovate and sell their property within one year. This is one of the best financings for short-term investors since they can be used to buy the house and renovate it at the same time using that single loan. Additionally, the payment duration of the loan is short, and they offer interest-only payment.

For instance, the majority of these investors will buy a house in poor condition, renovate the home and resell it at a higher price than their current market value. With the help of a hard money mortgage, the fix-flip investors can fund the initial purchase and all the required innovation expenses. In most cases, the investors will receive funding that is equivalent to the percentage property’s after-rehab-value, which translates to the fair market value after the investors make all the renovations.

The moment the investor buys the property using the initial finances from the lender, the immediately starts the renovating the property, getting the renovating funds from hard money lenders in stipends or draws. This implies that fix-and-flippers must be equipped with float rehab overheads until they get the resources from the lender. When renovating the house, fix-and-flippers are required to pay their lenders interest-only payments.


These are those investors who obtain the hard money loan to purchase and renovate rental apartments. In most cases, the buy-and-hold investors will obtain the hard money mortgage loan when their rental property is in bad shape such that it cannot be used to obtain a traditional mortgage. It is because the majority of traditional banks will never issue a conventional loan for apartments in deteriorated conditions. Nevertheless, decrepit apartments come with their upsides for long-term investors the same way they do for short-term investors.

To avoid this financing problem, long-term investors try to seek help from hard money lenders to obtain rehab loans to finance the initial purchase and renovation of the property.  The moment the renovation is done, long-term lenders can rent out the homes and refinance the renovated home with a conventional mortgage and later use the finances to repay the hard money mortgage.

In most cases, a buy-and-hold investor who is eligible for permanent funding will require access to the funding immediately, especially when they are competing with all-cash purchasers at real estate auctions. In the said scenario, the long-term investors depend on the hard money mortgages for a fast approval process and a quick funding time.

Portfolio investors

These are those long-term investors who obtain the hard money mortgage loan to invest in several properties at the same time. Even though these type of real estate investors prefer traditional mortgages, the majority of financial institutions and lending organizations give out between 4-10 conventional mortgages to one person.

Therefore, in case a portfolio investor meets the traditional mortgage limit, they will need to use other options such as purchasing a house all-cash, get a blanket mortgage or use hard money mortgage. For the reason that the majority of these investors are extremely levered to start with, they usually depend on hard money loans to purchase more properties.

This implies that the investor will use the hard money mortgage loan to buy the houses irrespective of their condition. If the apartment is in bad condition, the hard money lenders will give out the loans as a percentage of the apartment’s after-rehab-value. On the other hand, if the house is of good condition, the lenders will give out the mortgage as per the fraction of the house’s loan-to-value ratio, that is the same as the limits set by the traditional loans.

The things you need to know when applying for a hard money mortgage loan

National hard money lenders provide a standardized loan application procedure, and they strive to make the mortgage application process simple by offering borrowers with an online application platform that eliminates all the unnecessary documentation. As a borrower, you are required to use a secure online portal to upload the correct details and forms, and this helps in expediting and streamlining the hard money financing procedure.  

Here is what you need to know about the general application timeline for a hard money mortgage loan.

The majority of hard money lenders will divide the application procedure into two segments:

  •    Pre-qualification which is a fast approval procedure that offers a borrower a sense of the mortgage alternatives.
  •    Funding which is a long process that assembles more detailed information to finalize the expenses, rates, and terms involved in hard money lending.

Pre-qualification stage

As a borrower, the pre-qualification phase will help you understand how the loan works. Once you understand your potential loan size, fees, terms, and costs, you will use the information fix a maximum budget for the property and continue with buying process of the investment property. The lender will use this phase to assist you in compiling their loan alternatives, compare various offers and access your funding choices. Make sure you present the following documents during the pre-qualification stage:

  •    Personal bank statements of at least three months
  •    Personal credit score history of more than 550. Bear in mind that hard money lenders will always request for a hard-pull or soft-pull on your credit.
  •    Solutions to some basic queries. Bear in mind that the lenders will ask some questions about you and your investment property.

Basing their decision on this details, hard money lenders will offer the borrower with a list of the available hard money mortgages, giving the investor a chance to say yes or no when evaluating the investment property.

Financing stage

The hard money mortgage loan application will be approved in the funding stage. The lender will ask for more specific details during this stage to help them make the final decision. Once they approve the application, the lender issues the funds, letting the investor close the deal. In this stage, the lender will want to look at documents such as purchase contract, list of all the previous projects, contract bids, appraisal, upfront costs and scope of rehab works.

Final word

Hard money mortgage is one of the significant forms of financing for short-term fix-and-flippers and also for buy-and-hold investors who want to renovate several investment properties. The funding alternative presents a short approval procedure, interest-only payments and can be used to finance the purchase and renovation of investment properties. Additionally, the mortgage can be used to buy a single-family house and also a multi-unit apartment.  This is because the hard money mortgage loans provide a fast approval rate and fast time to financing.  For this reason, choosing the hard money mortgages over the conventional mortgage from traditional banks is the best option.

hard money mortgage lenders

The Role of Hard Money Mortgage Lenders in the Real Estate Industry

A hard money mortgage lender is an individual or group of people who are ready to provide money both on the short-term and long-term basis to an individual to help them purchase or refinance a property. When you need financing on a short-term basis without much paperwork, hard money mortgage lenders are the best sources. The lenders are famous for the unmatched convenience they avail to people who need funding but won’t meet the threshold of traditional banks. Since this type of lending only requires minimal formalities, the industry has many scams which might lure you to take their services. Therefore, there are some factors that you must consider when looking for a hard money mortgage loan.

Here are the qualities of a good lender.

A good hard money lender must be trustworthy and experienced

Credibility and experience of the hard money lender is a vital factor one must consider when looking for the best service provider. You need to choose a lender who is credible and will not deceive and fraud you in the whole process. For this reason, you must conduct a background check so that you can establish that the lender is trustworthy. Talk to the previous clients who have used your potential lender to find out their experience. Additionally, you need to make sure you work with a lender who has the required expertise in this field. Knowing the duration in which the service provider has been providing the loans will help you know their experience status. You also need to look at the reputation they have a period in the sector within that period. Make sure you work with a hard money mortgage lender who has been in business for a long time.

Must have an easy application process

Another quality you need to look at before choosing your lender the application process and how fast they approve your loan request. As a real investor who needs a hard money mortgage, you want to get involved in a lending procedure that entails minimal documentation at the application process. Additionally, you don’t want to work with a lender who has a long application process, and the approval rate must be fast. For this reason, you need to get a hard money lender who ensures prompt and fast application procedure and approval.

Rate of interest

As an investor seeking a hard money mortgage loan, you need to get a lender who will fund your project at a favorable interest rate. The last thing you want is to pay for a mortgage that envisages high-interest rates as compared to what the mortgage paid for. Therefore, you must compare and contrast the interest rates offered by various lenders before choosing the one to approach.

Must have flexible payment terms

When choosing your hard money lender, make sure you consider the flexibility of the payment terms. Work with a lender who is ready to offer appropriate payment terms, because the majority of hard money lending is primarily on a short-term basis. However, this will be determined by the payment plan that you believe will fit your needs.


This refers to the terms as to when the lender will avail the hard money mortgage loan to you. The service response must be taken into consideration since it lets you know when you will get the funds and hence being the purchasing process or start the renovation process. Make sure you work with a lender who as minimal delays or none as this will allow getting the financing at the right time.

Must have Proper paperwork process

Even though you don’t require much paperwork when approaching a hard money mortgage lender, they still ask for some documentation that proves the funding has been availed, together with its terms and condition. For this reason, it is the mandate of your potential lender to check the paperwork is accurate to circumvent the cases of fraudulent lenders.

Strength of the lender

Make sure the hard money mortgage lender you want to approach has a strong financial backup to support your financial needs. Your potential lender must be ready to fund all your projects without struggling financially. This can be established by checking their financial strength in the market and how the service provider trades regarding their assets about their liabilities.

How the Hard Money Mortgage Lenders in Today’s Real Estate Marketplace?

The hard money lenders are taking over the real estate industry since these lending institutions linger to be the only recognized source of investment finance in the frugal lending sector. As many traditional banks continue to nurse their wound from the upshot of the first real estate effervesce, hard money mortgage lenders have taken advantage of the opportunity by reducing the application time, as they give real estate investors the capability to purchase properties and fund renovation projects.

By relying exclusively on secured loans and the modern technology like online application and mobile utilities, the hard money lenders are shaping the real estate industry.

Embracing the modern technology

It is evident that long waiting periods lined with standard and large lender mortgages have crippled the real estate entrepreneur for many years. In most cases, a slight hiccup in the procedure leads the investor to lose a chance for purchase since the other more eligible developer has provided a competitive offer. However, you will never come across these problems when approaching a hard money lender for any financial help. This is because things like prompt valuation, secured proposal and a clear understanding of the real estate industry are combined to create a perfect borrowing environment for the investor.

Additionally, the majority of hard money mortgage lenders tend to use the mobile application to expedite the process. The use of modern technology, together with the willingness of lenders have transformed the way many real estate investors and developers view capita acquisition. Gone are the days when the investors had to wait for weeks or even months to get approved.

Property appraisal and disbursement

The moment an investor identifies a property as a potential investment, they can talk to their preferred hard money lender to send an appraiser to the property within one day. The moment the property is appraised; the lender will provide the required funds to purchase the property.

Role of hard money mortgage lenders

Understanding the role of hard money mortgage lenders in the real estate industry will help you make your loan application easy and increases the chances of getting quick approval on the hard money mortgages. Additionally, you need to know all the key players in the hard money lenders and the role they play to help you get the right funding and getting financed fast. Once you decide that you want a hard money mortgage, you need to make sure that you are working with a loan specialist who specializes in this area.

In the traditional mortgage lenders, the primary role of the loan office is on the front-end of the transaction. The responsibilities of these loan officers include taking the application, they discuss the loan programs and their qualifying criteria, and they collect income and asset documents from the borrower. The application form is then handed on to processing, underwriting, and the closing officer that process the loan.

However, for hard money mortgage lenders, it is different since these experienced entrepreneurs are skilled to stage-manage the whole transaction process right from the start to the end. In most cases, the lenders will fund the hard money mortgage loans with their own money. Even though they might resell your loan to a private investor to get back their funds, they have the required expertise and relationship with various funding sources that is crucial in giving you the hard money mortgage loan that suits your needs.

The role hard money mortgage lenders play is to manage and perform the following process that will help you get your deal closed.

  •        Processing your mortgage package which includes the income, credit and asset information as provided by you.
  •        Ordering and coordinating of the title
  •        They verify and reinstate loans as required
  •        Getting you the best hard money mortgage and advising you on the best program
  •        Offering federal and state disclosures
  •        Ordering the appraisal of real estate
  •        They underwrite the application for developers looking for hard money loans
  •        They determine the mortgage servicer for your loan
  •        They create loan documents as they help in closing the deal

Any investor who is interested in buying property or renovating their houses to rent out, talking to a good hard money mortgage lender is the best option. This is because the private lending organizations have played a vital role in bridging the gap left by the economic crisis in the financial sector, giving the real estate investors the capability to be successful in a competitive sector. Since the traditional banks have opted to remain cautious and parsimonious when it comes to funding real estate projects, hard money lenders are striving to assist investors with an eye for opportunity to get the financing required to purchase the properties.

cash advance direct lenders

What You Need to Know as an ISO working with Cash Advance Direct Lenders

Merchant cash advances (MCAs) have redefined how lending is done in the modern times. Traditional lenders had frustrated the efforts of most of the small business owners who direly needed financial aid. Because of this, MCA providers have come to their rescue with prompt and reliable lending services. Considering the large number of small businesses that might be seeking for alternative lenders particularly cash advance direct lenders, individual sales organizations (ISOs) have a huge role to play in linking the two together.

To be an effective broker, an ISO needs to be well grounded in the various aspects of the provision of MCA loans. This article is meant to expound on the important areas that will enable ISOs to efficiently communicate with small businesses looking for cash advance direct lenders. Knowing the basic facts that would be outlined in this article will enable you as an ISO to not only state the requirements to the prospective clients, but to also appreciate the essence of doing this.

What an MCA Loan is

Alternative loans include MCA loans, asset-based loans, loans on future receivables and loans for startups. An MCA loan is basically a lump sum that is provided to small business owners as an investment on their future credit sales. The cash advance direct lenders usually offer these loans in a prompt fashion to the needy businesses which meet their qualification criteria. Your role as an ISO is to connect the MCA providers who underwrite these deals with small businesses who are seeking for financial aid to meet their working capital needs.

MCA loans are unique as they are offered with the revenue of a business being viewed as their security. For this reason, most if not all of the cash advance direct lenders will have to assess the revenue base of a small businesses seeking for an MCA loan to determine if they will be able to sustain the repayment schedules. As a matter of fact, MCA providers don’t ask for collateral during the application process, the revenue of a business caters for this.

Read More: What is a Merchant Cash Advance and What Kind of Business Uses It?

The requirements a small business owner has to meet

The search for clients is not a hard task but filtering the suitable ones has to be done right to avoid disappointments. Cash advance direct lenders usually deal with relatively established businesses; small businesses that have been operating for more than a year. Besides being established, it is required that the small business owners you recommend to MCA providers accept credit or debit cards. Here are some few and reasonable requirements during the loan application:

  •    The provision of the small business’s financial statement
  •    A copy of their estimated credit sales in the near future
  •    A copy of their recent past credit sales

It is good to mention that no form of collateral is needed during the MCA loan application process. Cash advance direct lenders are also free to offer their services to businesses with a bad debt history. As long as a business can generate at least $10,000 on a monthly basis they are good to go; this is taken as a guarantee that they can be able to sustain the repayment schedule.

About the repayment schedule

After meeting the requirements, it takes a matter of days for the loan to be approved. This is way better compared to the long and tiring wait that is characteristic of the traditional lenders. After about 3 days and in some cases as short as a day, a business owner can receive the advance from the cash advance direct lenders.

The repayment schedule has to be agreed on between the MCA provider and the small business owner, an ISO needs to make sure their client is comfortable with the repayment period and the interest rates charged. For most of the MCA loans, the repayment period would range from 3 months to as long as 12 months.During this time, the small business owner would have to remit a fixed percentage of their daily credit sales. The rate is relatively the same for most of the cash advance direct lenders but their cumulative interest is higher compared to the other loan options. This repayment period is expensive in the long run but it is a sustainable model and the return on investment can work to the advantage of the small business owner.

A fixed percentage of the daily credit sales being deducted for the repayment is preferable since the business will be left with enough cash to cater to their working capital needs. On days with low credit sales, smaller amounts will be deducted while higher amounts will be deducted on days with higher sales volume. This implies that on any given day your client will be left with some amount to meet their needs.

The vital role of ISOs in facilitating MCA loan Provision

As an ISO, your role in brokering the deals is what has been responsible for the growth that has been witnessed in the lending world. These roles include:

 Verify how credible the respective parties are: It is important that small businesses are linked to cash advance direct lenders of unquestionable character. They need to access MCA services from providers with a proven record in being reliable and prompt. The clients also need to be businesses which meet the expected requirements for them to qualify for the MCA loans.

Oversee all the transactions: For all the transactions that have to be done between the cash advance direct lenders and the small businesses, ISOs have a role of facilitating this. Their role in making sure everyone is satisfied and not being short-changed cannot be downplayed. After facilitating these transactions, they will then receive a generous commission for their services.

The maintenance of a secure communication channel: Brokers usually initiate the conversation between the various parties. For this reason, ISOs are tasked with ensuring that an effective and efficient communication channel is established between the MCA provider and the small businesses. They will, first of all, get in touch with interested parties and outline the conditions and thereafter communicate with the appropriate cash advance direct lenders.

During all this, independent sales organizations usually do not incur any expense as all the costs are met by the MCA companies. With advancement in technology and the utilization of the cloud, deals can be brokered over the internet. This has enabled businesses to be served from any location just by accessing the internet.

Benefits of MCAs Issued to Small Businesses

Having considered what MCA loans are all about and your key role as ISO, it is good to briefly look at how MCA loans are beneficial to the small businesses. This could help to elaborate on the immense popularity and following that MCAs have gained in the recent past. Here are some of the key benefits of MCA loans that cash advance direct lenders provide:

  •    A quick way of meeting their working capital needs; small businesses are usually faced with a shortage of the necessary working capital from time to time and they need a lender who is prompt enough. Since most of the MCA providers usually take a day or a few days to approve and provide the cash advance, most of the small businesses tend to prefer them over the traditional lenders.
  •    No form of collateral is needed during the application process; a small business that you recommend to the cash advance direct lenders doesn’t need to provide any form of collateral to act as security in case they default on repaying the MCA loan. The assessment of their revenue base is usually taken to be an assurance that they will service the loan in time.
  •    They have a favorable repayment model; the idea of the small business owner remitting a fixed percentage of their daily credit sales to the MCA providers is quite sustainable. Though this is cumulatively expensive in the long run, the business will be left with enough cash to meet their working capital needs in the following days. Contrary to the traditional lenders who don’t take into consideration the performance of a business, cash advance direct lenders don’t demand fixed amounts on a monthly basis. This implies that the small business owner will have an easy time in repaying the loan.
  •    They are accommodative to the businesses with a bad debt history; businesses with a history of bad debts can freely and hopefully apply for MCA loans. The main consideration is their revenue base in the recent times. If they can sustain the repayment period, most of the cash advance direct lenders will be willing to provide them with the cash that they direly need.
  •    Few requirements are needed; unlike the traditional lenders who had many requirements and rules, MCA providers just need a few documents to determine the suitability of a given small business. As alluded to earlier in the article, no form of collateral is needed making this a preferable option.

Read More: Top Reasons to Sell Merchant Cash Advance Services as an ISO

Independent sales organizations are a vital bridge between the cash advance direct lenders and small businesses sourcing for MCA loans. The prompt and reliable nature of this form of alternative lending has increased the client base of most of the ISOs. It is thus easier to find and link up clients to the appropriate MCA providers for great commissions.

cash advance bad credit

The Best Solution to Cash Advance Bad Credit Issues in 2017

There are many business firms that want to know how they can get funds when they have a bad credit? If small firms have bad credit and are looking for a loan, then there is no need for them to get disappointed as they can rely on Merchant Cash Advance (MCA).

Cash advance bad credit situations can be dealt with the help of Merchant Cash Advance since it supports small businesses without scrutinizing them on the basis of bad credit. Merchant Cash Advance can be provided quickly, which means small firms can run their business efficiently.

Read More: How a Merchant Cash Advance Can Give Your Business a Boost

What is Merchant Cash Advance?

MCA is a financial structure that provides loan assistance to small businesses. The best thing about Merchant Cash Advance is that it provides financial support, even if the business has bad credit. This loan is intended for those enterprises that deal in credit card transactions and are looking for capital to buy physical resources to sustain their venture. MCA offers small companies flexible repayment terms. In this, a fixed percentage of everyday credit card sales’ receipts are paid in exchange for the money they lend.

The requirements to get MCA

  •         The company must be active.
  •         The company must have a record of credit card or debit card sales’ revenue generation for the past three months.

The Cash advance bad credit problem is faced by many companies but the best way to overcome this problem is to obtain Merchant Cash Advance. The chances of loan approval in case of Merchant Cash Advance are very high.

Acquiring a business loan becomes a challenging task when a company has bad credit. Merchant cash advance offers flexibility in repayment and there are no collateral demands to be fulfilled. Cash advance bad credit can be essentially solved through MCA, which can quickly and easily take care of the financial needs of a business.

There are many sources of finance but when it comes to bad credit there is only one source and that is Merchant Cash Advance. This is the best deal for small enterprises as they can get loan very quickly, that is within a week from the date of approval. When you take Merchant cash advance your bad credit issues do not hold any importance as MCA providers work to cater to the needs of small enterprises with bad credit.

The process to apply for a Merchant Cash Advance is also very easy and does not give an invitation to complications. Now ACH advance has been introduced with its support proprietors, who can make payments through their banking companies.

MCA is not just about cash advance bad credit but there is so much more to it. It can help you to fulfill your short-term small business financial goals in no time. Plus, it is approved quickly and comes with flexible compensation terms. It can solve your bad credit problem within a few hours and get you a cash advance immediately.

cash advance now

MCA Loans Give You the Cash Advance Now You Need

Get the cash advance now that is needed, not tomorrow. Never have to worry about not being able to cash out on the benefits when the time comes. You have the essentials right there in front of you but you have to be able to head out and make the right decision in the end. If the decision includes getting the business cash that is needed, then Merchant Cash Advance loans are the loans you want to get. They’re the cash advances that are going to get you paid now, instead of later.

Want to Know More?

Of course, every business wants to know more about the many alternative funding options out there that they have to work with. They want to make sure that they have the best interests of their business in mind. When they do not have enough cash to cover the overhead costs associated with running a business, this can turn into a problem.

Don’t let this happen to you. Make sure to choose the right merchant cash advance now that is needed TODAY! They have your back and know that you’re going to cash out on the benefits in the end.

Cash Advance Now Through MCA Loans Provide:

  •    Cash in hand within a week from applying for the loan right online
  •    Never have to sit in a bank to obtain the cash that is needed
  •    Being able to work with your own broker and lender for the cash
  •    Having an alternative source of funding whenever it is needed
  •    Easy and affordable payback solutions through payments made to your business
  •    Never having to worry about not being able to pay the loan back
  •    No credit checks to find out if you’re approved for the loan
  •    Personalized service that was built with businesses in mind
  •    No hassles, gimmicks or false information

You’re able to jump right online and do the application without having to worry about a thing. They have you covered when it comes to the cash advance now that you’d like to get. Every business needs a loan every now and again and many of them cannot rely on their traditional bank to provide them with one. Instead of falling into the hole and having the chance of losing your business, check out alternative funding options.

MCA loans are those options that keep many businesses afloat. Many of them don’t know what they would do without the merchant cash advance that gave them the cash advance now. They were there when they needed them the most.

They are there for you too!

All you have to do is go right online, right from your office or home and sign up with the application that they have on the website. From there, you will be contacted by your own broker with the options out there for lenders willing to work with you. You do not have to worry about a thing since they make sure to get the loan amount you need, so you can cash out and cover expenses.

bad credit loans instant decision direct lenders

Bad Credit Loans Instant Decision Direct Lenders: Get Funded Now!!!

The Majority of small businesses usually seek lenders who will respond to their financial needs in the shortest time possible. Traditional lenders are the least suitable for this and to add salt to injury, their approval rates for small business loans are quite dismal. Alternative lenders, such as Merchant Cash Advance companies, seem to be the preferred alternative for these businesses. Small businesses have thus tended to search for bad credit loans instant decision direct lenders although these have not reached most of them. Independent sales organizations (ISO) act as significant links between small businesses with bad credit and the direct lenders.

The recent trend has been for most of the bad credit loans instant decision direct lenders to find ISOs that they could work with. Most of them attract ISOs with their decent and pretty generous commission rates. MCA loans are high risk loans and they are thus offered at high interest rates, ranging from 10 to 40%. The ISOs are in most cases offered a great commissions amount and the deal gets sweeter with loans that have high interest rates. It is good to add that while brokering the MCA deals, ISOs don’t incur any expenses.

Small businesses which are looking for bad credit loans instant decision direct lenders need to meet a few requirements. They ought to have in business for more than a year besides their businesses being required to generate monthly revenues of not less than $10,000. Such requirements are pegged on the fact that revenue is usually viewed as a form of security for the MCA loans. A small business therefore has to prove that its revenue can sustain the servicing of an MCA loan.

Read More: A Guide to Take Merchant Cash Advance From Direct Lenders Online or ISOs

The small businesses that ISOs recommend to bad credit loans instant decision direct lenders will have to provide a few documents during the application process. These include a copy of the financial statement of the business, their credit sales history and their estimated credit sales in the near future. No form of collateral is demanded by most of the direct lenders and businesses with bad credit are accommodated too.

Direct lenders have a repayment period that is quite sustainable for the small businesses though it is expensive in the long run. This period usually ranges from 3 months to 12 months and the small business will have to submit at least 10% of their daily credit sales. ISOs need to ensure that the small business can be able to sustain such a model though it generally leaves them with enough cash to keep going.

ISOs need to find bad credit loans instant decision direct lenders as they usually offer good and satisfactory commission rates. The link that ISOs create is critical for most of the small businesses with bad credit that are seeking for MCA loans. The demand for ISOs due to their increased coverage and efficiency is bound to rise in the future, so take advantage of it as an ISO.

direct money lenders

Prompt Direct Money Lenders Working With ISOs

Alternative lending has been redefined by merchant cash advance providers. Their prompt and reliable nature has attracted many of the small business owners to consider them for financial bailouts. Direct money lenders, who provide MCA loans to small businesses, have increased in number but they are yet to reach all small businessmen who need MCA loans. This can be bridged by the independent sales organizations (ISO) which form a key link between the direct money lenders and the small businesses.

Independent Sales Organizations

Independent sales organizations usually bag sizeable and decent commissions for the deals they broker between the small businesses and the direct money lenders. This could be explained by the high-interest rates that are charged on the MCA loans. Interest rates on MCA loans usually range from 10 to 40% depending on various factors, and from this the ISOs are given a decent amount of the total interest rate. Besides this most of the direct money lenders cover all the costs during linkage and to the point of issuance of the MCA loan.

Read More: Using Instant Loans Online to Make Money From MCAs as an ISO

How Does Merchant Cash Advance Work?

For a business to qualify for an MCA loan, they need to have been in business for more than a year. The revenue the client’s ISOs refer to direct money lenders can generate is a key determinant of whether their MCA loan applications will be considered or not. Most of the direct lenders prefer to work with small businesses that can generate at least $10,000 on a monthly basis.

MCA Process

The loan application process will require that the small business that the ISOs has the linked the direct money lenders with provides their; financial statement, a copy of the history of their credit sales as well as their estimated credit sales in the near future. It is good to mention that most of the cash advance direct lenders don’t require any form of collateral during the loan application process. They also make room for the business with bad credit which most of the lenders will shy away from.


The repayment period for the MCA loans is pretty sustainable. ISOs need to see to it that the small business will be comfortable with repayment period which ranges from at least 3 months to about 12 months. During this time, the small business will have to remit at least 10% of their daily credit sales. The beauty about this schedule is its sustainability as the business will be left with enough cash to keep going through this will be expensive in the long run.

ISOs have a critical role of connecting small businesses with direct money lenders; they are closer and have a wider access to many small businesses which are needy. They can also find suitable and prompt direct money lenders to provide the much needed financial assistance to these businesses. The commission rates that they will earn are quite attractive and they don’t even spend a dime while making the MCA loan deals.

direct loan lenders only

Direct Lenders Only: Suitable Direct Lenders Partnering With ISOs

Merchant cash advance loans have become the most preferred form of alternative lending in the recent years. They are prompt loans with fewer and manageable requirements during the loan applications. Direct lenders have come to appreciate small businesses that prefer to rely on direct loan lenders only when faced with financial crises. Independent sales organizations (ISO) are what most of the direct lenders are in search for to reach out to many small businesses that might need a merchant cash advance loan.

Read More:  The Advantages of ISOs in Merchant Cash Advance and Private Lenders

Most of the direct lenders highly appreciate the services that ISOs offer and they have endeavored to offer reasonable and fair commission rates. Given the high risk loans that they offer to their clients, the interest rates are high depending on a given deal. From this, a majority of them offer a good commission for a given MCA loan deal than an ISO brokers. Besides this most have systems that ensure that ISOs don’t incur any expenses while linking them to the small businesses that are in search of direct loan lenders only.

For a small business to qualify for merchant cash advances, they need to accept the use of credit or debit cards in their business. Direct lenders don’t seek any form of collateral and the small business’s revenue base will determine whether they qualify for an MCA loan or not. Most of them generally offer MCAs to small businesses that have been running for at least one year. They additionally need to make at least $10,000 on a monthly basis and the interest rate to be charged will depend on their agreement with the direct lenders.

Read More: What Benefits do Direct Cash Lenders Offer?

During the loan application process, a small business seeking for direct loan lenders only needs to provide direct lenders with: the business’s financial statement, a copy of the credit sales history as well as the estimated credit sales in the near future. Small businesses with a bad debt history should not hesitate in applying for merchant cash advance loans. Many of the direct lenders offer rapid financial solutions to bail small businesses that have run short of working capital. The loan applications are usually processed and approved in a relatively shorter time; it takes just a matter of days before a loan is approved and disbursed.

Small businesses that are looking for direct loan lenders only will feel contented with the services that direct lenders provide.  Many of them have seen to it that businesses which are seeking for direct loan lenders only enjoy a sustainable repayment period. Of their daily credit sales, 10% will be deducted to service the MCA loan. The repayment period could range from as a little as a month to as long as one year, the clients usually choose their preferred repayment period.

Direct lenders have strived to come up with packages which are suitable for most clients who are seeking for direct loan lenders only. Most of them offer MCA loans ranging from $10,000 to $1,000,000 and they usually offer favorable commissions to the ISOs companies that they work with.