Funding Solutions

Many of our clients need access to cash to help their business grow and occasionally to help them manage their cash flow. For those clients, SmartMerchant Solutions provides a wide array of funding solutions. In addition to traditional commercial and residential loans, we offer other sources of capital including receivables financing, notes financing and advances against future credit card receipts. Whether your business needs short-term working capital or long-term financing, SmartMerchant Solutions will help you find the money your business needs.

Cash Advance

This program is designed to provide quick access to working capital for restaurants and other select retailers, by providing immediate cash in exchange for a small portion of their future Visa/MasterCard credit card receipts. The cash advance is not a loan. Rather, a purchase of an asset - future Visa/MasterCard receipts. Hence it is not impacted by, nor does it negatively affect, your credit status. Another key benefit of this unique financing program is that it does not carry a fixed repayment schedule. The funds advanced are repaid as a fixed percentage of your monthly Visa/MasterCard receipts.

Mortgage Loans

This program provides commercial and private mortgage loans for merchants and businesses at all credit levels. SmartMerchant Solutions offers flexible, cost-conscience mortgage loans for commercial and residential real estate in all fifty states.

Notes Financing

For businesses that carry accounts receivables, or collateralized notes, our notes financing programs offer an excellent source of capital funding. SmartMerchant Solutions has established a network of investors who routinely purchase various forms of collateralized notes providing the holder with immediate capital. We can arrange the purchase of many forms of collateralized notes including business notes.

Receivables Financing

For merchants and businesses who carry accounts receivables, we offer another source of financing - receivables factoring. Factoring is the purchase of accounts receivables at a discount. Factoring allows a client to collect the money they are owed by their customers immediately by accepting a discounted amount of the invoices. The purchaser of the accounts receivable, or "factor", then takes the responsibility for collecting the accounts receivable. The amount of accounts receivable invoices a client can sell to factors is unlimited.