Unsecured Small Business Loans

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We recently got a large cash advance from Optigroove to help our florist business with some seasonal advertising. The process was quick, easy and we had the cash in about a week. Kathy L. read more

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Small Business Cash Advance Vs Small Business Loans

Small Business Unsecured Loans compared to Merchant Cash Advance Small business owners know small business loans are hard to find these days. Banks decline up to 98% of Unsecured Small Business Loan applications. Most banks also require you to be in business for an extended period, and will require you to have great credit. Did you know there is a new alternative to acquire working capital for your business? Most business owners are not aware they have a hidden asset. The future Visa and MasterCard sales from your customers can be purchased in advance. Unlike the Unsecured Small Business Loans request, the small business cash advance program has a 100% approval rate for qualified applicants. With a small business cash advance your credit is not as much of an obstacle to qualify. (The #2 reason Unsecured Small Business Loans are rejected - poor credit) Ask us for more information on how you can receive up to $1,000,000 in working capital against your businesses future Visa/MasterCard sales in as little as 7 business days.

A small business cash advance is one of the easiest and quickest methods for small businesses with no security to obtain financing. The merchant cash advance programs have been around for a while, but gained popularity and exposure in the last few years. Our merchant bank purchases a predetermined number of VISA or MasterCard sales receipts, and provides a business cash advance to the sellers in lieu of those receipts. So you see... It doesn't matter whether you have collateral or not.

Funds received through a business cash advance is not an Unsecured Small Business Loan. It is a cash advance paid against Visa or MasterCard merchant account receipts. These amounts are paid back through the merchant account itself.

Funds received through a business cash advance is not a loan. It is a cash advance paid against Visa or MasterCard merchant account receipts. These amounts are paid back through the merchant account itself.

Small Business Cash Advance and Unsecured Small Business Loans Comparison

Below is a comparison chart that will highlight the differences:

Small Business Cash Advance	Unsecured Small Business Loans
A 90% rate of approval on working capital Cash Advance requests for qualified merchants	Banks Reject most small business loan or restaurant loan credit requests
Approval of your Business Cash Advance in an average of 24-72 hours once all paperwork is submitted	Approval of a small business loan on average is 1-4 weeks once all paperwork is submitted
It typically takes about 7 days or less to get cash in your hands	IF you are approved for a small business bank loan it could typically take 4-8 weeks to get your money
No fixed monthly payments to worry about. Repayment is made by a % of your future credit card sales (Visa and MasterCard only) until paid in full. You advance gets paid back when you get paid by your customers. Therefore, if you have a slow month, your payback to us slows down.	Unsecured Small Business Loans typically have a fixed monthly payment. Failure to make this payment can result in a default of a bank loan. Payments DO NOT slow down if you have a slow month.

Obviously Unsecured Small Business Loans are not the answer. To learn how your business can get from $2,500 to $1,000,000 in working capital against its future Visa/MasterCard sales from your customers, fill out the form below for more information.

To learn how your business can get from $2,500 to $1,000,000 in working capital against its future Visa/MasterCard sales from your customers, fill out the form below for more information.

Optigroove LLC (Dallas, TX) can provide your business up to $1,000,000 in working capital against its future Visa/MasterCard sales from your customers. We have a 100% approval rate, and cash is typically available in 7 days or less.

* Note: This is a business cash advance; and not a loan product.

How you can qualify for an unsecured small business cash advance?

* You have a business that accepts VISA and MasterCard as a form of payment.

* You process a minimum of $5,000 dollars a month.

* You can provide 4 months of past credit card statements and bank statements (12 months if business is seasonal).

* You have been in business at least 1 year.

Complete the form below for a Small Business Cash Advance Professional to contact you.