Merchant Cash Advance
A Merchant Cash Advance (MCA) is a type of financing where businesses receive a lump sum of cash in exchange for a percentage of future credit card sales.
Repayment is made through a percentage of daily credit card sales, making payments flexible and proportional to your business revenue.
Typically, businesses that accept credit and debit card payments, such as retail stores and restaurants, are eligible for an MCA.
Funds are usually disbursed within a few days after approval, providing quick access to capital.
No, MCA funds can be used for any business purpose, including inventory purchase, equipment upgrade, or expansion.
Business Loans
Various types include term loans, lines of credit, equipment financing, and SBA loans, each designed for different business needs.
Qualification depends on factors like credit score, business revenue, financial history, and the type of loan you're applying for.
Interest rates vary based on the lender, loan type, and your creditworthiness, ranging from low single digits to higher rates for riskier loans.
The approval process can take from a few days to several weeks, depending on the lender and complexity of the loan.
Yes, business loans can be used for various purposes, such as working capital, purchasing equipment, expanding operations, or refinancing debt.
Card Terminals
There are countertop, portable, mobile, and integrated card terminals, each catering to different business needs and environments.
Card terminals streamline payment processing, reduce transaction times, and improve customer convenience, boosting overall efficiency and sales.
Costs include initial purchase or rental fees, transaction fees, and potential maintenance fees, varying by provider and terminal type.
Yes, most modern card terminals support contactless payments, including NFC and mobile wallet options like Apple Pay and Google Pay.
Yes, most providers offer technical support for setup, troubleshooting, and maintenance to ensure seamless operation of your card terminals.
Higher Education
Programs include undergraduate degrees, postgraduate degrees, vocational training, diplomas, and professional certifications across various fields.
Financing options include scholarships, grants, student loans, and work-study programs, offering multiple avenues to manage educational expenses.
Requirements often include academic transcripts, standardized test scores, recommendation letters, and a personal statement, varying by program and institution.
Yes, many institutions offer part-time, online, and hybrid study options to accommodate different schedules and learning preferences.
Support services may include academic advising, career counseling, mental health services, tutoring, and access to libraries and study resources.
Commercial Mortgage
Properties include office buildings, retail spaces, industrial complexes, warehouses, and multifamily residential units.
Loan amounts depend on the property's appraised value, projected income, and the borrower's creditworthiness, typically ranging from hundreds of thousands to millions.
Terms range from 5 to 25 years, with some lenders offering longer terms depending on the borrower’s needs and financial profile.
Down payments generally range from 10% to 30% of the property's value, depending on the lender and borrower's financial situation.
The approval process can vary but typically takes several weeks, involving property appraisal, financial review, and credit assessment.
Bridging Loan
A bridging loan is a short-term financing option used to cover the gap between buying a new property and selling an existing one.
Upon approval, funds are typically accessible within days, providing quick capital for urgent financial needs or property transactions.
Bridging loan terms range from a few weeks to 12 months, providing short-term solutions tailored to specific circumstances.
Required documents include property valuations, proof of income, and comprehensive exit strategies to facilitate the application process.
Some bridging loans may have prepayment penalties, so it is important to review the terms carefully to understand any associated fees.
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