There are several financing options available for small business owners seeking extra capital for growth or expansion. This presentation explains the options available so that you can make the most informed decision on which option is for you.

1. WORKING CAPITAL OPTIONS:
BUSINESS LOAN OR
MERCHANT CASH ADVANCE?

2. Question: What’s the
difference between
an alternative
business loan and a
merchant cash
advance?
Answer:
NOT MUCH!
www.ezmerchantcapital.com

3. With the rapid growth in merchant cash advances over the
past five years, and some of the negative press that has
come with it, I have actually had clients call me and start off
the conversation with “I do NOT want a merchant cash
advance”, and instead opt for an alternative business loan to
satisfy their working capital needs.
The reality is that
the two programs
are very simple, as
far as structure
and pricing.
www.ezmerchantcapital.com

4. Merchant Cash Advances
Merchant cash advances are actually not loans, by definition. A lender
is actually buying your future credit card receivables at a discount,
otherwise known as “factoring”. Merchant cash advances are
underwritten and funded based on a business’s credit card merchant
activity, and it is repaid daily out of the business’s merchant receipts.
www.ezmerchantcapital.com

5. Alternative
Business Loans
Alternative business loans have been growing significantly, particularly
over the past year or 2. These loans are very similar to merchant cash
advances, except that they are underwritten by a business’s total
revenues, as documented in its bank statements. These loans are
repaid daily out of the business’s daily receipts.
This is becoming the preferred choice for working capital because in
many cases, businesses can be approved for more money than with a
merchant cash advance. However, as the loan amounts can increase
with alternative business loans, so, obviously, can the repayments.
www.ezmerchantcapital.com

6. Merchant cash advances and alternative business loans are
underwritten, funded, approved, and priced in a similar
fashion, it’s just a matter of determining which form of
working capital works the best for you and your business.
www.ezmerchantcapital.com

7. Neither form of working capital is cheaper than a bank’s rate.
If your goal is to find the cheapest money, your bank should be your
first stop (if you qualify, which most do not).
If you’re looking for a quick working capital solution without a lot of red tape, one
of these two options could work out well for you. In fact, more bank-qualified
business owners are seeking out alternative business financing because of the
convenience, and lenders, who are recognizing the increase, are actually
developing loan programs with rates comparable to the banks. It is a real exciting
time for alternative business lending.
-Oliver Chamberlain
www.ezmerchantcapital.com

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9. Let us help you fund your
business!
Contact us:
Phone: (888) 543-5530
Email: info@ezmerchantcapital.com
Fax: 888-965-9849
www.ezmerchantcapital.com

10. Let us help you fund your
business!
Contact us:
Phone: (888) 543-5530
Email: info@ezmerchantcapital.com
Fax: 888-965-9849
www.ezmerchantcapital.com