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Frequently Asked Questions

What Is A Merchant Cash Advance?

Biz Loans Direct is a direct lending source, providing alternative funding to small and medium-sized businesses in need of a quick inflow of cash. We provide to businesses striving for success and yet are unable to show it on paper. Unlike a typical loan, your business sells us a fixed portion of your future sales receipts at a discount. Payments are made daily, directly from your card-swipe terminal, until the obligation has been met.

What Can Merchant Cash Advances Be Used For?

Once approved, what you do with the money is up to you.

Is Merchant Cash Advances a Short-Term Business Loan?

Yes. The loans are short term and are typically from 3 to 18 months in duration.

What Form of Charges Apply?

Your business sells us a fixed portion of its future sales receipts at a discount. We retrieve our portion of each credit card at the point-of-sale, for the life of the funding.

How Do I Qualify?

While other institutions strive to disqualify potential applicants, our automated scoring system is built to approve qualified business applications. Once approved, our operations staff works quickly to get you the money you need. A minimum qualification of $5000 in monthly sales is required.

Do I Need Perfect Credit to Get Approved?

Absolutely not! The advantage of a merchant cash advance is that funding is available to businesses with a poor credit rating. Everyone deserves a second chance, and we are here to help your business prove its worth.

How to Get a Merchant Cash Advance?

Complete our online application or download a paper version:

No collateral is required for merchant cash advances. Specializing in alternative financing, not traditional loans.

Why UM Financing is the Best Choice When You Need a Cash Advance in South Florida?

Here at Biz Loans Direct, we offer it all to you from ways to best use your merchant funding to your business’ advantage to emergency cash advances. Your credit standing is not important to us and we can approve you in as little as 48 hours. While the majority of merchant capital funding companies require that the full repayment be made within 18 months, we pride ourselves in providing flexible repayment schedules in order to meet your needs and conditions. Also, most merchant capital funding companies cover small businesses only. Here at Biz Loans Direct, provided that you have good customer service, whether it is financing for a company truck or financing for a small business that you need, we will approve you.

Even though the main purpose of a cash advance is to borrow against future purchases, they are far from limited to that. You can also take out a cash advance if you need an emergency budget to purchase inventory, to maintain staffing or to take advantage of opportunities to advance your business. Here at Biz Loans Direct, even though we provide direct and fast approval, we are one of the most legitimate and largest lending companies in the merchant funding business in South Florida.

We understand that different companies have different needs and we make it a point to have the strength to cater to every one of those needs. If reassurance of a direct loan is what you’re looking for then we are the company for you.

Through Biz Loans Direct, you can work with our friendly loan representatives to learn more about merchant account advances. We will answer your questions and facilitate the loan process. Through our cash advance program, you may be able to easily obtain the funds that your company needs within a matter of days.

Only Active Businesses

Fast Approvals
Over 75% Approved
Low Credit Okay
48hrs Turn Around
Up To $1 Million
No Collateral Needed

Please complete the form and within 24hrs you should get a response. Please note, we do not review startups at this point and only very few will be considered on a yearly basis. This form respects your privacy, as we only use this info to evaluate the lending amount available.