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By First American Merchant

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A Quick Guide on How to Manage your Cash Flow

Cash flow in your business is very important to inspire the growth and profitability of your business. How you manage cash flow will determine your day-to-day business progress. Poor cash flow management may be detrimental to your enterprise. You may be unable to pay staff, restock supplies or even meet business expenses on time. We have researched four efficient ways to manage your cash flow better so that your business can grow and be more profitable. Escape the year-one Obstacles Most new business owners in nearly all industries identify cash flow as a leading obstacle to growth and success. Keeping […]

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5 of the Most Profitable Businesses to Start in 2022

What is a good business to start in 2022? Let’s discuss the most profitable businesses that you should consider starting in 2022. Also, you’ll learn where you can obtain reliable and affordable business funding solutions, such as a merchant cash advance.  What Businesses to Start in 2022 Are you interested in starting a business in 2022? There is more than one business to consider in 2022. They’re easy to launch and can help you earn revenue. So, here they are: 1. Online Shop eCommerce is on the rise worldwide, so selling products online is one of the best ideas to […]

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4 Steps to Refinance a Business Loan

There are several reasons why you might want to refinance your business loan, including saving money on interest, having better options for repayment, and consolidating your debt. The whole process of refinancing a business loan can be quite overwhelming as there are many factors to consider, including your credit history, credit score, and the amount you want to borrow. Here are 4 steps you can follow to complete loan refinance successfully: Tips to Refinance a Business Loan 1. Check how much you have in debt and other factors First, you need to check how much debt you have. You should […]

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Need Access To Capital Now? Consider a Merchant Cash Advance

One of the most common reasons that businesses fail is the lack of cash flow. In fact, a survey conducted by U.S. banks has discovered that as much as 82% of small businesses fail due to cash flow problems.  Cash flow problems occur when your monthly expenses surpass the amount of cash you have on hand. This could be attributed to slower sales or customers defaulting on their payments. Poor cash flow can put a serious halt to your business as you won’t be able to run your daily operations or even invest in the growth of your business.  If […]

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Top Signs Your Small Business Needs a Merchant Cash Advance

Struggling with cash flow? You’re not alone. According to a survey from U.S. Bank, 82% of small businesses fail because of cash flow problems. Year after year, small business owners admit that cash flow is one of their tops – if not number one – challenges.  Maintaining cash flow is difficult when business is good, when the unexpected happens, it can feel nearly impossible. One of the most popular solutions for cash flow issues today is a merchant cash advance. If you’re unfamiliar, the following information will give you a glimpse of how this financing tool works, as well as […]

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Small Businesses Seek Financing to Deal with Inflation Head-On

The hot topic of the last few months has been inflation. Inflation has been tough for everyone, including small business owners. As the rollercoaster of the pandemic has eased – shutdowns and supply chain disruptions – the newest concern has become the shocking inflation. As prices continue to fluctuate, maintaining a consistent cash flow has become increasingly difficult for business owners. The need for a way to ease the impact of ebbs and flows in costs has become top of the priority list. Many small business owners are now seeking long-term solutions to handle this inflationary period head-on. Why You […]

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How to Easily Secure a Startup Business Loan in 2022

Starting a small business has always been expensive. Fast forward to our post-Covid world, trying to get a business everything it needs to hit the ground running can feel next to impossible. If you’re currently juggling doubts and questions, never fear!  Every small business owner faces startup expenses. These expenses will vary depending on your business type. Whether you need heavy machinery or a new laptop, coming up with the cash for equipment can be difficult. On top of that, you need to purchase inventory, pay contractors, cover rent and meet payroll.  To make matters more complicated, outside funding can […]

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Is a Merchant Cash Advance Right For Your Business?

A merchant cash advance (MCA) is a type of alternative funding for your business. The question is whether it’s right for you or not. With an MCA, you can receive an upfront sum of cash in exchange for part of your future sales.  Merchant Cash Advance (MCA) An MCA has traditionally been meant for businesses that generate revenue mainly from credit/debit card sales. These businesses include restaurants, retail shops, and not only. Today, MCAs are also great for businesses that don’t merely rely on credit/debit card sales. The MCA provider will automatically deduct a percentage of your future sales until […]

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The Supply Chain Crisis Persists: How Can US Small Businesses Survive the Situation?

Many American firms, both big and small, depend on items manufactured in Asia and other nations. Because China and other nations are experiencing supply chain constraints triggered by the global health crisis, the United States and other nations are suffering.  How the Supply Chain Crisis is Affecting Small Businesses  Besides the bottlenecks in the processing of raw materials and goods that US businesses require, there are also repercussions across the retail market. Cargo ships are stranded at ports, not able to deliver goods.  The industry is also experiencing a truck driver shortage. These staffing shortages, along with occasional closures during […]

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6 Common Financial Mistakes to Avoid

This article is about the key financial mistakes that can get you in trouble if you don’t avoid them. Let’s see how you can stay away from these mistakes and where you can get a reliable and cheap merchant cash advance to sidestep an economic hardship. Common Financial Mistakes: How to Avoid Them  Wrong money management can cause you a lot of trouble. It’s vital to be able to avoid committing financial mistakes. This is essential for all individuals, including business owners. Successful money management means proper evaluation of your income and expenditure, weighing your financial needs, and spending money […]

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