First Financial  
 
Merchant Cash Advance

Merchant Cash Advance

Fast Cash to Lock in Long-term Business Success!

Temporary cash shortfalls happen to all kinds of businesses through no fault of their own. Smart solutions like merchant cash advances developed to support the health and longevity of U.S. businesses. If we are not able to approve you instantly you will be presented with an offer from one of our participating lenders. Just complete the process with them. It’s that easy…

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A+ Rated Better Business Bureau

Convenient Features of a Business Cash Advance

Without the merchant cash advance, thousands of businesses across the United States would have gone bankrupt, taking their jobs, their brand and their unique contributions to the economy and American families with them. When years of work and money put into a business stands at risk due to unexpected expenses, employee actions, supplier issues or a brief decline in revenues, you can still maintain your business momentum while you sort it out. See whether these features of the merchant cash advance meet your needs: If your business has regular credit and debit card charges as well as from $5,000 to $1,000,000 in credit card receivables, it’s a good candidate for First Financial’s merchant cash advance. First Financial’s straight-forward program buys a portion of future receivables for cash payment up front to you now. Read more below about the advantages of a business cash advance. Many businesses borrow against their assets or accounts receivables several times throughout the year through various financial options. It’s just part of their business model. Since with the application our inquiry into your business credit is a “soft inquiry,” you can apply now without risking your business credit score. The First Financial merchant cash advance is not a loan.  It takes under a minute to fill out our simple form and you’ll know within 48 hours how much your business qualifies to borrow, as well the rates and terms. Get money into your account within three days.  Ready to discover how you can fund your business today?

Fast Approval Time for a Cash Advance Online

Without the merchant cash advance, thousands of businesses across the United States would have gone bankrupt, taking their jobs, their brand and their unique contributions to the economy and American families with them. When years of work and money put into a business stands at risk due to unexpected expenses, employee actions, supplier issues or a brief decline in revenues, you can still maintain your business momentum while you sort it out. See whether these features of the merchant cash advance meet your needs:

Easy qualification:  Again, because the First Financial business cash advance is not a loan, the qualification process is far more lenient. We well understand that people with low credit scores can still have a thriving business. Along with our partners, we look only at the business’s credit and debit card POS reports, not the owner’s. Therefore, many who wouldn’t qualify for a personal or car loan CAN qualify for a business loan, provided all conditions are met.

Flexible Repayment Dates:  Not legally a loan, the merchant cash advance has no predetermined term. Our customer service representatives can explain more. Just complete the form and a representative will walk you through the process.

Little Paperwork Involved:  First Financial needs fewer documents than traditional banks and other lenders require. Your revenue is measured by the credit card sales that go through your merchant cash advance provider’s own POS system. More, as an online service, we make it easy for you to upload your documents to our site or email them to us. No making hard copies and driving them across town to a traditional lender.

Fast Approval Time: The four to five weeks it can take for a large bank to research and approve a loan can kill a start-up. First Financial makes sure to get you approved within 48 hours or less and the money in your account just a day or two after that.

Beware Merchant Cash Advance Scams

As with most financial products, business advances draw the attention of scam artists and unethical individuals. When researching online merchant cash advance lenders, take these steps.

  • crunch the numbers: track sales for six months to ensure you’re earning enough to repay the debt within a time frame you consider comfortable. Don’t listen to sales people who dismiss your concerns about whether the advance provides your best option.
  • listen for the terms, “application” and “funding” fees, which a sales rep may try to pass over quickly. These fees are not the norm. If you find these in the business cash advances you’re considering, proceed cautiously. First Financial business lending partners have neither application nor funding fees.
  • explore the lenders you’re considering? Do they have a Facebook page where consumers are freely able to post reviews and air complaints in front Facebook’s 1.3 billion users?

Most Types Of Businesses In All 50 States Accepted

First Financial sets loan terms and rates based on revenue measured by the credit card sales that go through your merchant cash advance provider’s POS system. Simple, right? Beyond this metric, we also require:

  • businesses operating 4 to 11 months prove monthly revenue of $10,000.
  • businesses operating for one full year prove show monthly revenue or $2,500.

If you meet these criteria, you may qualify for a First Financial merchant cash advance. Don’t put your family at risk by selling your 401(k), mortgaging the house and taking out credit cards. Avoid asking investors for more investment money, too. Explore the advantages the merchant cash advance provides when you fill out our easy application.

Trust First Financial’s respected name and long history keeping businesses solvent. We’re dedicated to your success.

 


First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217

 

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