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alternative loans Blog Posts

By First American Merchant

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What Businesses Receive Alternative Small Business Loans, and Where to Turn for Help

At some point during the business startup process, business funding crosses every entrepreneur’s mind. Needing extra capital isn’t a matter of if, but when. Some business owners seek support from friends and family at first, but as their business grows, they find themselves in need of larger sums of cash to fund opportunities and expand their operation. Unfortunately, securing funding is easier said than done. There is a long list of business types and industries that struggle to secure funding for one reason or another. In fact, according to recent small business lending statistics, nearly half of all small businesses […]

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What are Alternative Small Business Loans?

What if you could secure the funding you need for your business from a source other than a traditional bank? Just 10 years ago, the options businesses had for funding were incredibly limited. For certain business types and industries, it was next to impossible to secure the cash they needed. Today, the phrase “alternative lending” is much more common and has begun to really mean something to small business owners. It has become a very important part of the business financing industry. But what are alternative small business loans? Alternative lending is a broad term that includes many new small […]

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Alternative to High Risk Business Loans

High risk classification puts small business owners in a situation where it’s rather challenging to get approved for business funding, especially from traditional banks and financial institutions. High risk lending options feature long wait for approval, requirements of collateral that could be repossessed in the event of a default, and a detailed business plan that borrowers should submit. Thankfully, there are reputable alternative online lenders like that offer alternatives to small business loans. These alternative funding options are flexible, fast, and have fewer requirements. High Risk Business Loan Alternative A merchant cash advance (MCA), which is surging in popularity […]

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How a Merchant Cash Advance Can Boost Your Business Esteem

So, you are a small business owner. You have committed your whole life in propelling your business forward. But as you might have noticed that it has become increasingly difficult to attain capital to grow your business in this day and age. Banks are becoming tyrants instead of actually helping businesses, they always seem to have a problem with everything. They will make you sign a dozen documents, put many restrictions on the use of the money you will get from them, and even after you are done with all the formalities, you still have to wait a while before […]

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Need Business Funding? Here’s Why To Get a Merchant Cash Advance

New entrepreneurs face more than a few challenges when getting their businesses off the ground, and chief among them is how to raise capital. Small enterprises often find it hard to acquire the finances they need to stay afloat because, in a traditional lender’s eyes, they have a much greater chance of failing than larger established companies. Thankfully, merchants now have more than a few alternatives to bank loans with regards to funding their operation. One of the more popular options is a merchant cash advance; a financing solution that is ideal for business owners with bad credit, or operating […]

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Three Ways Your Business Can Benefit From The Off-Season

Regardless of whether or not your business is seasonal, there comes a time in the year when sales are lower than normal. For brick-and-mortar retail stores, this period is typically the summer, when a significant number of customers is out vacationing out of town. On the other hand, hotel owners feel the cold more than the rest of us during the winter. If the health of your business is more or less tied to seasonality, then you probably already spend a portion of the year weighing your options for the off-season. With proper planning, time management, and financial oversight, the […]

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The Best Financing Options For Your Small Business

There comes a time in the life cycle of a business when it needs some form of financial help. If you’re an SME owner, for instance, you could want more funds to buy equipment, hire new staff, grow your brand’s awareness, clear your debts, or just meet daily operational costs. Whichever reason it may be, raising capital is rarely an easy endeavor. Nevertheless, you can sleep a little more soundly at night by choosing the method that is best for your situation. Below are some viable options. SBA loans The Small Business Association has been issuing loans to SMEs for […]

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Getting Certified as a Minority Owned Business

Are you a minority business owner? If yes, consider becoming certified as a minority owned business. Government agencies and corporations are willing to conduct business and buy from minority owned companies, so being certified will make your business more appealing. The reason why corporations are willing to do business with minority owned businesses is that they realize that US minorities have great purchasing power. It’s no surprise that minority business owners may have a difficult time obtaining access to working capital to grow and expand their business. Fortunately,, a reputable business loan provider and high risk payment processor, offers […]

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Get the Best Short Term Loans for Your Business

No matter you are a startup with a slow business cycle or need a positive cash flow, you may be in need of business funding so to be able to fight the competition and grow. To meet your immediate financial needs, you can apply for a short term business loan. For this, you should find a reputable business loan provider like, to turn for short term business loans. First American Merchant is an award-winning business loan provider and processor that specializes in the high risk industry and boasts an A+ rating with the BBB. Short Term Business Loans With […]

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The Best Merchant Cash Advance Loan

To get access to working capital, you should find a reliable and trustworthy business loan provider to turn to. If you’re interested in merchant cash advance companies, consider applying to First American Merchant is a reputable and award-winning business loan provider and high risk processor that can help you take your business to new heights. First American Merchant offers: Merchant Cash Advance ACH Program High Risk Business Funding Consumer Financing With FAM, you can enjoy the following benefits of merchant funding: Fast Funding – You can have funds in your bank in as little as 72 hours. No Hassle […]

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