Short-Term Financing Solutions | phoenix-capital-llc

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Merchant Cash Advance

What is a merchant cash advance (MCA) ?

A MCA is leveraging the business future credit card receivables and selling it to the funding company at a discounted factor rate. This product is not a loan. The MCA product does not require any collateral, and unsecured. This product is revenue based and not credit driven. The credit specialist will custom tailor a payment plan for the merchant without affecting the cash flow of the business.

The funding company just takes a small fixed percentage each time the merchant batches out of the credit card terminal. The benefit is that there is no set term. The term is just a projection based on the strength of the business.

Therefore, the product moves with the ebb and flow of the business. If credit cards sales are increasing, the payback is faster. If sales

decreasing, the payback is slower. There are no penalties if the merchant goes over the projected time of full payback.

How Do I apply ?

All we need to determine how much you qualify for is an one page application,your four most recent months of business bank statements, and four months of most recent merchant credit card processing statements. The credit specialist will determine which card types it makes sense to use as a repayment method and what percentage of those card types the funding company will hold back to repay the financing.

Within 24 few hours we’ll provide a completely free, no-obligation quote for your consideration.

[ Ideal for Restaurants / Retailers / Bars / Cafes / Liquor Stores / Any business who processes

credit cards ]

Short term unsecured Business and Healthcare Loans

What is a short term unsecured business loan?

An unsecured business loan is leveraging up to 100 % of the monthly gross sales in the business to offer the business working capital. The business loan does not require any collateral and is unsecured. The payback method is a daily or weekly ACH through the merchant's business checking account. Payments are automatically debited on each business day or week, excluding national holidays or weekends by the funding company.

Qualification is partially based on credit score and business bank statement activity through regular revenue deposits. The benefit of this product is twofold.

First benefit, the merchant pays automatically through the business account in automatic micro payments instead of writing a check for a monthly lump sum. The payments are small and the terms are predetermined based on the sales of the business.

Second benefit, the merchant do not have to process credit cards to qualify.

How Do I apply ?

All we need to determine how much you qualify for is an one page application and your four most recent months of business bank statements.

Within 24 few hours we’ll provide a completely free, no-obligation quote for your consideration.

[ Ideal for businesses that don't process credit cards ]

Healthcare Cash Advance

What is a healthcare cash advance ?

Unlike typical cash advance lenders who only consider credit card receipts, Phoenix Capital LLC understands that as a healthcare business credit card sales only constitute a tiny portion of your overall revenue. That’s why when qualifying for Healthcare Cash Advance, the amount your business is able to receive is based on your historic volume of insurance receivables as well as credit card receivables. By considering insurance receipts from any private or government insurance provider, including Medicare and Medicaid, we can offer substantially larger financing amounts with a much lower cost of capital than other traditional cash advance lenders.

Instead of taking a fixed daily, weekly, or monthly amount, repayment occurs through collection of a predetermined, fixed percentage of future insurance receivables. The funding company gets repaid as you're repaid from any or all of your insurance processors. This product is not a loan.

How Do I apply ?

All we need to determine how much you qualify for is a one page application and your four most recent months of business bank statements . The credit specialist will determine which insurance types it makes sense to use as a repayment method and what percentage of those insurance types the funding company will be held back to repay the financing.

Within 24 hours we’ll provide a completely free, no-obligation quote for your consideration.