How It Works

Merchant Solutions Group provides cash advances to small and medium sized businesses.

Here’s how it works:

Why Merchant Solutions Group?

Every businessperson knows the financial climate has changed dramatically since the financial collapse of 2008. Banks claim to be lending to businesses, but to many business owners the reality on Main Street is far different: “According to [a] survey of 322 small business merchants, small business lending continues to be down, with traditional bank loan issuance still depressed. In fact, only 6% of respondents found it very difficult to get financing before the collapse of Lehman Brothers in September 2008, but that number grew significantly in the ensuing years, with half of the respondents saying it was somewhat or very difficult to obtain financing between 2008-2012. Today, nearly one in two (45%) still believe this to be true – and 86% said they expect this difficulty to remain over the next 12 months.”* Where can business owners turn when they need capital to grow, hire, and deal with the everyday cost of doing business in America?

Merchant Solutions Group (MSG) has the answer: a cash advance against future receivables.

* “Small Business Lending Still Depressed Five Years After the Collapse of Lehman Brothers, According to New Survey,” Business Wire, September, 2013 – 2.16.14

What is a Merchant Cash Advance?

A Merchant Cash Advance is not a traditional loan. The borrower does not pay interest on the cash advanced. Instead MSG purchases your future credit card receivables at a discount, which you repay over time directly from your daily credit card totals or regular bank withdrawals. The amount MSG is able to advance is keyed to your gross sales. Need cash fast? Even if the banks haven’t closed their doors to your business, a traditional bank loan can take up to months. With MSG, you get your money within days.

What are the Benefits of a Merchant Cash Advance?

• Money in as soon as 48 hours.

• No upfront fees or cost to apply.

• No personal guarantees.

• No collateral required.

• No set time frame for payback.

• Fast turnaround time.

• An ongoing source of capital which is renewable as the advance is paid down.

• No upfront fees or costly paperwork to apply.

What Can I Do with a Merchant Cash Advance?

Most business owners use these advances for one or more of the following:

• Expansion

• Renovation

• To buy out a partner

• To change their menu

• To adjust inventory

• Hire new staff

You know what’s best for your business, so use your cash advance as you see fit. Need to open another location? Go for it. Want to make renovations to your store or restaurant? There’s no time like now.

How Does Repayment Work?

MSG offers two straightforward methods of repayment:

Merchant Cash Advance “Split”

MSG takes a fixed percentage of your Visa and Mastercard sales daily until your advance is paid in full.

Automatic Clearing House

MSG withdraws a fixed dollar amount each working day directly from your bank account. Our Cash Advance contracts are written in plain language, and our terms are transparent. Unlike our competitors we never charge our clients hidden fees or penalties.

How Do I Apply?

MSG’s three step process keeps it simple so you can get back to business.

1. Application

Complete our simple, secure application form or call us.

2. Documentation

Unlike banks we keep the paperwork light. To determine your ability to qualify for a Cash Advance, MSG needs only the following:

i. Credit Card Statements

ii. Business Bank Statements

iii. Business Check & Driver’s License

3. Offer

If you qualify for a Cash Advance, you will receive your offer within 24 hours. Upon receipt of your countersigned agreement, MSG releases funds within five to seven business days. It’s that simple.

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