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Business Funding Blog Posts

By First American Merchant

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New Financial Players Bring Back Risky Borrowing Habits

After the devastating financial crisis of 2008, you would think the financial industry had learned its lesson. However, just a decade after reckless home lending habits nearly destroyed the financial system, risky loans are back in full force. This time, banks are not the ones to blame. In the years following the recession, a growing network of businesses stepped in to provide alternative loan options to the parts of the economy banks had quickly abandoned. This is known as “shadow banking”. With banks unwilling to lend, it made it incredibly difficult – and still does – for many individuals and […]

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10 Ways to Build Up Retirement Funds

Your personal success as a small business owner is based on long-term planning. Building a successful business is important but it’s no less important to build up funds for after retirement. How to secure personal retirement funds effectively? Where to find reliable and affordable ACH business loans? Just read to know. Funds for After Retirement: ACH Business Loans Have you already hit 60? Hopefully, you have built up a significant amount for after your retirement. What if you haven’t? Well, you need to be careful about protecting what you’ve built and take advantage of opportunities. In fact, the number of […]

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Discover the Best Business Funding Type for Your Business

Getting business funding can be critical to the economic growth of your company. What should you bear in mind when applying for a small business loan? How can you be sure this is the right financing option for your business? No worries. This article is here to help you find the right funding from the right provider. Looking for Business Financing to Grow When starting a business, you’re likely to get down to diving seed money from a lender. However, you’re not alone in this. Merchants with years of history in business might as well need access to some urgent […]

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Banks Losing Ground to Alternative Small Business Loans

It’s no more a surprise that alternative lenders are a striking alternative to big banks and are working on attracting more and more low and high risk merchants. Where can find low cost and reliable alternative small business loans for your company? If you’re interested in all these, this article is right for you. Alternative Lenders Are on the Rise New alternative lenders have emerged since the global credit crisis and are still emerging in the payments space. The non-bank or alternative finance field is an established source of funding for both low and high risk businesses. This is a […]

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Are Digital Payments Killing ATMs?

The 1st ever drop in the ATM (Automated Teller Machine) in 4 of the 5 largest ATM markets is already registered. Are electronic payment methods killing cash? The number of ATM machines in Brazil, China, India, Japan, and the U.S. reduced almost 6% in 2018, thus making up 1.62 million. To learn more about the topic, as well as discover the most reliable and cheapest alternative business loans, just read below. Digital Payments & Alternative Business Loans In the modern era of cashless payments, the need for cash hasn’t gone away. This means ATM machines haven’t lost their demand. What […]

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Business Cash Advances: How They Work

As a business owner, you may face certain situations that require you to have access to a source of instant cash. It may be the need to expand due to the increasing numbers of clients or a fire disaster that you need to recover from as fast as possible. Whatever the reason, things get more manageable if you have a source of instant cash. Bank loans usually are not helpful due to the lengthy processes involved before approval; your credit history may be unimpressive too, reducing your chances of the loan. Do not despair, a Merchant cash advance (MCA) is […]

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Is it Okay to Accept Investment Capital from Your Partner?

You’ve just gotten married, or you’ve been together for a while and your thinking of increasing your sources of income. You talk to your spouse about starting a business, and he/she is excited and offers monetary assistance. What are some of the responses you would give to him/her? Research indicates that one of the reasons for stress in relationships is money. Constant arguments on cash can be used as a predictive factor for divorce. Nevertheless, it is important that you invest in your life partner and share in his/her dreams to strengthen your relationship. Let’s look at some of the […]

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Need Funding with Bad Credit? High Risk Business Loan 2019

You need low cost, flexible funding options, don’t you? Well, what to do if your credit is far from being excellent? This article will show that obtaining a bad credit business loan or funding isn’t as frustrating as you may think. Also, you’ll know how you can get a high risk business loan with ease. Small Business Funding with Poor Credit Serving as a calling card for your business, your credit score shows you haven’t been an excellent “manager” of your finances. The truth is that 500 – 550 (FICO score) will definitely put some rocks on your way. However, […]

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Business Funding: 9 Reasons to Borrow Now

Today, small business owners have multiple options when it comes business funding. The important thing is to avoid borrowing money too aggressively and without a sound basis. This article will tell you some basic reasons why should borrow now. Business Funding: Borrow Now or Not Did you know that 50% of business fail during the 1st 5 years and 66% during the 1st 10? Right planning, funding, and flexibility are the most important factors to help you success and not fail. When it comes to funding, more businesses feel comfortable with online lending. Yes, this is a fact. Why? Online […]

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Know How to Fund Your Business: Merchant Loans for Startup

Are you looking for access to working capital to finance your next big idea? How can you obtain merchant loans for startup without difficulty? What’s important to know about financing your own business? These are questions each business owner is interested in. So, just keep on reading to find the answers below. Financing Your Own Business Not all businesses have the same needs. So, there’s no one-size-fits-all approach to getting a financial solution for your company. You should take into account several things, such as the personal financial situation you’re in and what vision you have for your business. You […]

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