merchant cash advance overview

The information contained in this presentation is confidential. Patents pending.

Merchant Cash Advance


Merchant Cash Advance

Provides qualified merchants access to working capital by tapping into their future credit & debit card sales.

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Program Features & Benefits

• No personal collateral required.

• Flexible credit requirements

• Initial funding is as quick as 5 to 10 working days.

• Does not show as loan on credit report


BEFORE WE GET STARTED…

Please Remember


How it Works


How it Works

Our funding partner purchases a “Specified Amount” of the business’ future credit and debit card sales volume.

Specified Amount = Future Sales Purchased


How it Works

In exchange for the “Specified Amount”, our funding partner pays the business an up-front, discounted “Purchase Price.”

Purchase Price = Amount Paid for Specified Amount


How it Works

The funding partner is reimbursed the Specified Amount by receiving a percentage of the business’ daily credit and debit card sales.

A % of daily card sales is paid to funding partner


BEFORE WE GET STARTED…

An Example


The Americana Grill

• Opened two years ago

• Outdoor deck would increase business

• Majority of capital tied up in Inventory

• Funding options limited due to lack of collateral, can’t borrow against food

FOR ILLUSTRATION PURPOSES ONLY


Capital Needed

•Construction of Deck $20k

Return on Capital

•New Monthly Revenue $10k


The Americana Grill


The Advance Program•Specified Amount $27k in future receivables

•Purchase Price $20k delivered

•Payment % 20% of daily card receipts

•Remittance 7 Months

•Revenue From Deck $140k (7 Months)

The Americana Grill



Typical Client

Avg. Time in

Business

7.49 Years

Avg. Annual Sales $850k

Face-to-Face

Transactions

99%

Eating & Drinking

Merchants

54.89%

Non-Eating & Drinking 45.11%

Avg. Customer Lifecycle 2.9Fundings

Avg. Funding Amount $21,796


Eating and Drinking PlacesRestaurants

BarsNightclubs

Coffee ShopsDonut and Bagel Stores

Bakeries

Other CategoriesMedical Practices

Veterinary ServicesMost Franchised Concepts

Theaters

Retail BusinessesGift, Card & Novelty Stores

Clothing StoresAuto Parts & Accessories

Hardware StoresLiquor Stores

FloristsPet & Pet Supply Stores

Target & Preferred Businesses


Landscaping Companies

Nurseries

Bike Shops

Sporting Goods Stores

Gym/Fitness Centers

Car Washes

Tanning Salons

Hobby Shops

Toy Stores

Pool & Spa Companies

Additional Retail Opportunities


Restricted Business Types

‣Adult-related

‣Auctions/Auction houses

‣Auto, ATV, RV and motorcycle dealerships

‣Collection agencies

‣Cellular phone stores

‣Construction companies

‣Day Care Centers

‣Entertainers/entertainment groups

‣Flea markets

‣Furniture Stores

‣Jewelry Stores

‣ Gas stations

‣ Grocery/Convenience stores

‣ Golf Courses

‣ Home Based

‣ Insurance Companies

‣ Theme/Amusement parks

‣ Taxis, limousines, shuttles, other transportation

‣ Travel agencies

‣ Management Companies

‣ More than 80% card not present


The Target Customer

•A fixed location

•Accepting V/MC at least 24 Months

•At least 100 V/MC tickets monthly•Restaurant (SIC) – 150 tickets per month

•Average Ticket Less Than $250


•Average of $7,500 a month in V/MC

•90% card- present transactions.

•Monthly V/MC volumes holding steady or increasing.

The Target Customer


[email protected]

866-940-0445

merchant cash advance overview

Business

daily card sales

funding partner

future credit debit

business future credit

future sales

bagel stores bakeries

business daily credit

debit card sales volume