Welcome to American Capital Advance

"Business Loans" vs "Business Cash Advances"

Business Loans
A business bank loan requires a written loan proposal that is time consuming, confusing, and very restrictive. Typically, the bank will be happy to loan you money when you don’t need it but reluctant to loan you money when you need it the most. And even if you qualify for a bank loan, your monthly repayment schedule is rigidly set with no consideration ever given to the ups and downs of business revenue flow.

Business Loan Repayment
Bankers focus on your past to determine your loan repayment program. Because a set monthly payment is uppermost in importance, what you did yesterday determines what you do tomorrow. AmericanCapitalAdvance.com focuses on your future potential. Since there is no set monthly payment, what you did yesterday is not important, but what you do tomorrow is.
Business Cash Advance
To qualify…

Your monthly VISA/MasterCard/Discover revenue must exceed $5,000
You have no prior unresolved bankruptcies
You have been in business for at least 12 months
You Accept Visa, MasterCard and/or Discover as a form of payment from your customers

Business Cash Advance Repayment

Repayment for your cash advance through American Capital Advance is based upon your future swiped VISA/MasterCard/Discover credit card transactions. A monthly percentage of these future sales is used as the determining factor for repayment. There are no bank loan repayment statements, no fixed monthly payments, and no penalties for late payments. Repayment occurs automatically and follows your business cash flow. We base our success on the success you achieve as a result of our cash advance to you. We’re putting our money on you and your ability to make the best use of it.

Bank loans, of course, are frequently the alternative that businesses select when they need funds to get their businesses moving in the right direction.
At American Capital Advance over 90% of qualified businesses are approved regardless of credit history.

Conventional Loan	Cash Advance
• Detailed Financial Statements for 2-3 years	• Financial statements not required
• Audited Tax Returns for 2-3 years	• Audited Tax Returns not required
• Must be in business for a minimum of 2-3 years	• Must be in business 12 months or more
• Personal Guarantees of all owners	• Guarantee against fraud or intervention
• Lengthy Approval Process	• 24-48 hours for approval
• Costly Application Fees	• No application fees
• High Credit Scores Required credit score	• Proprietary Scoring system does not require high credit score
• Costly Closing Costs	• No hidden fees or closing costs
• Collateral of all Business Assets	• Only your future credit card sales
• Complicated application	• 1 page non binding application and copy of last four months credit card processing statements
• Fixed Monthly Payment	• Repayment based only on current sales

Testimonials

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