1.

Merchant Cash Advance

Receive up to 200% of monthly credit card processing, 50-100 % for poor credit. Programs
range from 3 months to 15 months. Cost is between 1.20 and 1.45 (1.06 for over 150K
monthly processing). No more than 12% of monthly gross sales can be debited. Can be a
split batch, lockbox or ACH. Bankruptcies must be discharged one year with paperwork and
tax liens in a payment plan with paperwork. 10 batches monthly and minimum $3,000 in
monthly processing required. Merchant must net at least 50% of a current balance. This
doesn't build business or personal credit. Minimum 3 months in business and processing
credit cards. Minimum 500 FICO to apply with 4 months processing and 4 months bank
statements.
2. Unsecured Loan
Receive up to 75% of monthly gross sales, 35% to 50% for poor credit. Programs range
from 3 months to 18 months. Cost is between 1.12 and 1.45. Fixed payment is ACH Monday
- Friday, no weekends or holidays. Bankruptcies must be discharged one year with
paperwork and tax liens in a payment plan with paperwork. Minimum $10,000 gross
monthly volume required. Merchant must net at least 50% of a current balance. This does
build business or personal credit. Minimum 1 month in business. Minimum 500 FICO is
required. No more than 3 negative days and 6 NSF's in the bank. Interest can be written off
in business taxes using a 1099-INT form. Apply with 4 months processing and 4 months
bank statements.
3. Line of credit
Receive up to 11% of annual gross sales. Programs range from 6 months to 18 months.
Cost is between 1.20 and 1.35. 30 day payment deferment and 120 day closing delay
available. Use up to 20 drafts per year (Merchant receives leather draft book). Bankruptcies
must be discharged one year with paperwork and tax liens in a payment plan with
paperwork. Minimum $10,000 gross monthly volume required. Merchant must net at least
70% of a current balance. This does build business and personal credit. Minimum 3 years in
business. Minimum 600 FICO required. Interest can be written off in business taxes using a
1099-INT form. Apply with 4 months processing and 4 months bank statements.

4. Invoice Factoring
Receive up to 90% of approved invoices. Programs range from 3 months to unlimited. Cost
is 1% to 1.6% per 30 days. Any current 2nd position UCC loans and advances must be paid
off. Invoiced customer must agree to pay the factoring lender direct. No credit check for
customers or merchants. Apply with an accounts receivable summary, accounts payable
summary, aging summary and list of current debt and unpaid business loans associated
with the business. Some lenders let you choose the invoices to factor; others require all
invoices to be factored.
5. Inventory Financing
Loan amount is case by case and depends on the request. Programs range from 6 months
to 24 months. Cost is between 8% and 18%. Loan amount is 40% to 70% the depreciated
value. Payments made monthly by check. Bankruptcies and tax liens are handled case by
case. Minimum $50,000.00 loan is required. This does build business and personal credit.
Minimum 620 FICO required. Apply with an inventory aging summary and 1 year of
business tax returns with financials.
6. SBA Loan, Hard Money, Acquisition and Equipment Loans
Loan amount is case by case and depends on the request. Up to 75% LTV. Startups are
welcome. Programs range from 1 year to 25 years. Cost is between 6% and 12% annually.
Payments made monthly by check No open bankruptcies and no tax liens. Minimum
$25,000 gross monthly volume is required. This does build business and personal credit.
Minimum 3 years in business and a minimum 600 FICO is required. Interest can be written
off in business taxes using a 1099-INT form. Apply with 3 years of tax returns personal and
business with financials. Every request will be entertained case by case.
7. Credit Card Processing
Pass through rates available. No application or setup fees. Approvals within 24 hours. Split
batching for merchant cash advances for easy refi's available. Processing fee review and
comparison within 1 hour available. Next day deposits available with a $50.00 or less
average ticket and you must batch by 7:00pm eastern. Free credit card terminal to be
returned upon termination available. We cover $295.00 of the competitor's early
termination fee. Personalized gift cards available. High speed ethernet and wireless
terminals available. PC gateways, shopping carts and smart phone card readers available.
Apply with a voided check, drivers license and 3 months of statements.
What if I have questions?
Just call 855.249.7627 to speak to an Advance Smart customer service representative 24
hours a day/7 days a week. Every business owner is assigned a personal funding advisor.