Many banks have extremely high lending requirements for small business loans, including collateral, near-perfect credit scores, established cash flow, etc. These requirements may put needed capital out of reach for many companies. RapidAdvance Offers Fast, Flexible Small Business Financing & Resources that Promote Success! Find Out How We Can Help YOUR Business GROW and Prosper! Call Today: 877-GO-RAPID or Visit Us Online: http://www.rapidadvance.com/

1. Merchant Cash Advances vs.
Traditional Business Loans: What You
Should Know

2. The Current Lending Environment
 Many banks have extremely
high lending requirements for
small business loans:
- Collateral
- Near-perfect credit scores
- Established cash flow
 These requirements may put
needed capital out of reach for
many companies.
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3. What’s the Solution?
 Banks are only approving about 14.8% of small business
loan requests—down from a pre-recession approval of 46%.
 Today, around 65% of the loans going to small businesses
are unconventional.
 Small businesses are looking to solutions like cash-flow
lending and merchant cash advances to help finance their
growth.
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4. Merchant Cash Advances: An Overview
 An MCA is not a loan in the
traditional sense.
 An MCA can be accessed
without a personal guarantee,
liens, or collateral.
 An MCA provider purchases a
specific amount of a business’s
future revenue in one lump
sum, which is paid back over
time in the form of a daily
percentage of the business’s
daily credit/debit card totals.
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5. MCA Advantages Over Bank Loans
 No fixed monthly payments.
 No points or upfront fees.
 No UCC-1 at the time of
funding.
 No collateral or personal
guarantees required.
 No security interest taken in a
home, business, equipment, or
inventory.
 No business use restrictions –
there are no limits on how you
spend your funds.
 Approval times are much
lower.
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6. MCAs vs. Traditional Loans
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MCA Traditional Loan
Credit score requirements Low High
Terms Flexible Fixed
Required
documents/bureaucracy
Low High
Time to approval
Fast—receive funds in
just a few days
Slow—may take weeks or
months
Repayment
method/structure
Customized to your
business
Fixed
Spending stipulations
Spend the money on your
business any way you like
May require that the funds
are used in a specific way

7. Reasons to Get an MCA
 Purchasing new equipment and
restocking inventory to grow the
business.
 Paying off existing debt and
improving credit.
 Enhance a marketing campaign to
take advantage of current trends.
 Renovate or expand on an existing
location.
 Purchase and move into new
locations.
 Building a cushion against seasonal
or slower periods.
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8. How Do MCAs Get Paid?
 Repayment is based on daily income.
 If there are slow days or an off-season, payments are
adjusted to reflect that.
 You don’t have to come up with the same, fixed amount
every month, as with a traditional bank loan.
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9. Successfully Securing Funding
 Look for MCAs that provide terms based on client profiles.
 Ask for a full disclosure of fees.
 Make sure you understand the structure of repayment.
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10. Merchant Cash Advances from RapidAdvance
 RapidAdvance provides a merchant cash advance
program along with other alternative lending options.
 Check out our fair and affordable terms, and get a free
quote today.
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