Liquor Store Merchant Cash Advance Companies

Liquor Stores can benefit from a Merchant Cash Advance

Enjoying cocktails or cold beers with friends and family is popular here in the U.S, Many LOCAL liquor stores are privately owned and operated by small business owners. In some communities, larger wholesale liquor and wine retailers have moved in, making the market highly competitive. Merchant Cash Advance Companies like Northwest Finance have been serving the financing needs of liquor stores for many many years.

Liquor stores offer there own set of challenges

Typically, liquor stores have a large number of cash and credit card sales, meaning this can be an ideal way to obtain working capital by taking merchant cash advances. Liquor stores require a steady cash flow because inventory must be turned around quickly to earn a profit, and fresh products must be brought in on a regular basis to maintain quality. Small business loans can be a good way to manage these expenses.

There are many licensing and health code requirements to operate a successful liquor store. In some states, there are limited numbers of full liquor licenses available, costing as much as several hundred thousands of dollars to obtain. Most liquor stores also require more sophisticated security systems because they are frequent targets of robberies and other crime. It’s not an easy business, but it can be highly rewarding and profitable.

Liquor Stores can benefit from a Merchant Cash Advance

With these factors at play, merchant cash advances can be beneficial for liquor store owners who need a steady source of income. If you are operating a liquor store and need extra funds, here are the reasons why cash advances on merchant payments can work well for you.

One page application minimum financial statements needed

Unlike traditional small business loans, merchant cash advances don’t come with all the massive amounts of paperwork to fill out, financial reports to share and the worry over credit scores. Merchant cash advances are determined by how long you’ve been in business and the amount of credit card payments your liquor store accepts on a monthly basis. And you don’t have to worry about putting up any collateral either.

Obtain financing fast

Because the process to get approved for a merchant cash advance is so quick, money can be in your pocket a lot faster than through other means. If you are facing an unexpected expense or trying to pay down other small business loans and credit cards, this can be very helpful. Future merchant cash advances will be easy to get too as a pre-approved small business.

Payments that meet your schedule

It can be worrisome to borrow money for any small business, especially with a liquor store which may experience peaks in buying seasons and slow periods in between. The good news is that merchant cash advance payments are determined on a small percentage assessed on every credit and debit transaction you take, so the money goes out in small increments you will barely miss. If you fall behind, your lender can work with you to get caught up with more flexible terms than any bank will ever offer.

Get approved and get funded

Along with a fast application process, the approval rate is a lot higher than with small business loans. This is because a lender like Northwest Finance is evaluating the merit of your liquor store based on actual business performance. Therefore, if your business is stable, there should be no reason why you wouldn’t get approved. Banks tend to see liquor stores as risky so they may not be as willing to approve your business for any loans. Keep in mind that merchant cash advance amounts may be based on average revenues for the past 6 to 12 months.

Bad credit business financing

If your liquor store has struggled with poor or bad business credit, but you have a steady flow of sales for your liquor store, a merchant cash advance can be the right solution for you. You will need to have a merchant credit card vendor already set up to accept payments, for the best results. Over time, as payments are made on time or early, a merchant cash advance can also help to improve your credit rating.

Industry leading reliability

A few years ago, there were few companies that were regulated by financial laws to provide merchant cash advances. Today, however, financial organizations like ours must prove that we are connecting small business owners with reputable merchant credit advance programs that conduct fair and reasonable business practices. So, there’s no guesswork or wondering if you are getting a good deal.

Don't pay higher rates

As compared to other types of small business loans and credit card programs, merchant cash advances offer very competitive industry rates. A very small fee is assessed with each payment, and this cost can be deducted as part of business expenses. Your liquor store can stay in business and you don’t have to raise your costs in order to afford a cash advance on your merchant account.

We work with many types of businesses

Whether you are using a major merchant vendor or have chosen to work with a small, less-known company, there’s no need to be concerned. Northwest Finance has multiple relationships with merchant credit card vendors and their partners, to make sure any business has access to these benefits. You won’t have to switch to another vendor you don’t want to work with.

A finance Partner you can trust

Getting a merchant cash advance for your liquor store means you have a partnership with your business for as long as you wish. You will be able to borrow more money in the future to expand operations, refresh your inventory with a new product line, hire more employees, and market your business. This gives you an edge on the competition and elevates you above the mom and pop liquor store status.

While we could go on about the extensive list of the benefits of a merchant cash advance, this should give you an idea of what you can expect when you connect when you apply for this type of financing.

Contact Merchant Cash Advance U.S today!

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Merchant Cash Advances

A cash advance may be the answer, for Business cash without a loan!

The lending community has tightened up considerably in the last few years making it extremely difficult to access additional business capital unless your business has large cash reserves. Wouldn’t it be nice if you could leverage your sales to secure an advance of cash instead of relying on traditional lending guidelines and requirements? 

A merchant advance provides working capital for your business secured by a portion of your future credit card receipts. The guidelines for a merchant credit card cash advance approval differ from a traditional loan as a merchant credit card cash advance is approved based on the history of receipts not on credit and collateral. 

These facts make it much easier for a small to medium sized business to attain the capitol necessary to grow the business.


Traditional underwriting requirements for a merchant cash advance are typically as follows:


500 FICO score or better  (in some cases this may not be a deal killer).

$5000/ month minimum processing

Average retail ticket less then $600 (businesses with higher tickets still may qualify).

15 batches / month

Bankruptcies discharged for at least 1 year (can possibly be worked around)

In business for at lease one year

Additional benefits include:

Advance is invisible: Advance does not show through the credit reporting agencies as a loan or line of credit

Large advance amounts: Up to $250,000

Repayment is automatic: A fixed percent of each future sale is directly debited

You don’t pay unless you get paid! 

A Merchant Cash Advance can be applied for and funded in as little as 48 hours. There is the availability for this type of financing nationwide. Apply get funded and grow your businesses without lengthy business proposals and lots of digging by banks and underwriters.

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Merchant Cash Advances, Bars, Nightclubs

Bar, Nightclub, Merchant Cash Advances

More goes on behind the bar than just cutting limes. Exploring new inventory, arranging deliveries, repairing damages, managing taxes and licenses — it takes a lot of work to keep the drinks flowing. But the only thing more challenging than keeping your body shop running is getting the funding you need from the bank. Maybe you’ve applied for a small business loan and been turned down, or you can’t afford to wait the weeks and weeks a bank loan would take to get you the capital you need.

Apply for a Cash Advance, it's easy.

When you get an answer from us, you know it’s valid and that the funds will arrive in a short period of time.

Fast and Simple

Most of our bars and lounges receive a pre-qualification from us within 24 hours of submitting the 1-page application, and actually receive the money in their business bank account within 7 days. The process for obtaining a traditional small business loan from a bank could take several months. Learn how our cash advance underwriting process works!

Minimum Documentation and No Collateral Required

We are not a bank, so we don’t require a lot of documentation.  For example, unlike for traditional bank loans, you do not have to provide tax returns, financial statements, or physical collateral in order to obtain a business cash advance. We have a simple one-page application and only require 4 months of credit card processing statements and 2 months of bank statements.

Personal Credit Isn’t a Problem

We take many factors into consideration through our proprietary underwriting process, and we have funded thousands of merchants who have credit scores of under 500. Business loans often require a minimum FICO or credit score.  Read how you can qualify for our business cash advance.

No Fixed Payment Schedules

A business cash advance isn’t a traditional loan. The advance is paid back as a percentage of your credit card sales. When business picks up, you pay back more and when business slows, you pay back less. Learn how our business cash advances work.

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Best ways to utilize a merchant cash advance

Here Are Seven Ways your Small Business Can Use a Merchant Cash Advance.

Unlike traditional loans, a merchant cash advance can be used any way your small business chooses. This type of funding is based on your future credit card sales. It works much different than a traditional loan. The approval process is much less stringent and much quicker. 

merchant cash advances fast

Even businesses with less-than-perfect credit can qualify. Repayment is taken as a portion of your daily sales. You can get money when you need it. Here are seven ideas on how you can use your merchant cash advance to benefit your business.

Unexpected expenses

You may have a piece of equipment that breaks down and can’t wait for a bank loan to get approved. Quick funding lets you take care of business without depending on family, friends or the bank.

Staffing needs

The cost of hiring new staff can be expensive. You need more staff to meet demand, but you need more business to pay for more staff. Use your merchant cash advance to cover expenses.

Increase cash flow

Having money on hand without taking out a loan can help you maintain and build your empire.

Equipment upgrades

When equipment becomes obsolete, use your merchant cash advance to purchase new. Keep your business fully operational without taking on more debt.

Pay bills

If your business is having a down month, pay for expenses with a merchant cash advance. Don’t stress over missing payments and possibly damaging your business credit.

Marketing and advertising

Sometimes, you need a boost of business working capital to expand your customer base. Marketing agencies can really give your business the chance to grow, but they aren’t inexpensive.

Renovations and improvements

If you need money to remodel, add a second location or make repairs, a merchant cash advance can be just the ticket to have extra cash on hand to make improvements without breaking the bank.

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Beauty Shop Merchant Cash Advances

Merchant Cash Advances

Small business entrepreneurs while running their business face financial crisis at one time or the other. Sometimes these financial crunches affect the business adversely and the business needs financial assistance. 

Business Cash Fast

While looking around for financial help one has bank’s finance and outside borrowing from the market as one source and merchant cash advance as other viable alternatives. Bank’s finance is always difficult to obtain because of tedious documentation, lengthy procedures and formalities and providing of collateral. The outside borrowing from the market is available to tide over the financial crunch but at enormously high rate of interest. The only source which is viable and quick to obtain is merchant cash advance which is directly related to business through card sales.

Beauty parlor business is a successful business with a lot of scope. This business also faces financial crunches at times. Beauty parlorowners need finances for their business to tide over immediate problem and for face lift of their concern. Beauty parlor business is a specialized venture. Parlors are not only hair cutting salons but have vast areas to cover. Latest furniture is required to give it a professional touch. Sophisticated gadgets are required to run the parlor. It should be latest and the premises should be hygienic. The maintenance requires ongoing expenses and it is possible when there is not financial strain and flowing business. Skilled and trained personnel are required to run the parlor. There personnel are highly qualified and good salaries are required to be paid to them. Any drain on resources affects the business.

All this requires steadily flow of funds. If the business sales dip because of man-made or external factors, the concern becomes difficult to manage. These exigencies should be foreseen and planned. One of the ways to tide over financial stress faced by beauty parlors set ups is to encourage payment through card. Parlors are very expensive especially with packages which include salon services, spa and special treatments like body massages, bridal make-up, and hair treatments. 

Merchant Cash Advance is easy to obtain and is a good way to tide over occasional financial strains. These funds provide ample opportunity for the entrepreneur to expand his business, provide necessary face lift and upkeep of the enterprise. The beauty parlor owners are free to use the money as per their choice with not restraints by the business provider.

Merchant Cash Advances are the best means to promote the business and tide over financial crisis at times. 

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Beauty Salons, Nail Salon and & Spa Financing

Beauty Salon, Day Spa Financing

As a hair salon or spa owner, your customers come to you for pampering and rejuvenation. If you´re stressed out over cash flow you can´t maintain that calm environment for your customers.

At NorthWest Finance Now, we offer advanced funding solutions to meet your needs so you can meet your client´s needs. We have years of experience in funding beauty salons, nail salons and spas so we understand the seasonal nature of your company. Wedding season and the holidays require a great deal of product availability and inventory.

With a merchant cash advance, you can prepare for peaks and valleys by improving cash flow. It´s your business and you wish to run it by your means. With our stress-free funding options, you can get pre-qualified for up to $1,000,000 in capital and access to it in as little as 5 business days. Once approved, you can use your working capital for any business expense, including but not limited to:

• Upgrading equipment
• Leveling capital in between seasonal peaks in business
• Remodeling your salon or spa to offer a fresh, face-lift
• Advertising gift cards for Valentine´s Day, Mother´s Day & Wedding Packages
• The possibilities are endless!!!!

Call 612-327-5756 to discover a merchant cash advance for your salon.

Discover the benefits of our flexible funding solutions:
• Quick access to capital–funding in as little as 5 business days
• Easy process without cumbersome paperwork
• Funding options available even with bad credit

Beauty parlors, nail salons and spas all over the U.S. are flourishing after a merchant cash advance from NorthWest Finance. Contact us now and get working capital to address your needs and expand your business.

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Merchant Cash Advance for your business

Merchant Cash Advance for your business

When you’re in charge of a business, there are inevitably going to be moments where you need access to more funds than you actually have on hand. If you need quick access to working capital, you may be considering a merchant cash advance. But before you take one on, be sure to research that an MCA is for you.

Finance options for business

What is a merchant cash advance?

Simply put, a merchant cash advance is a lump sum of money that you, the borrower, receive at a fast turnaround. You then repay the advance through a percentage of your credit card sales on a daily basis.

Merchant cash advances make the most sense as a financing option for short-notice issues, such as making payroll or rent. However, they can be used for a number of business expenses, like financing a piece of equipment, purchasing inventory or expanding your business.

Quick access to financing?

Again, a merchant cash advance is a great option if you’re temporarily short on funds and need to cover a cost quickly. Unlike many traditional bank loans that may take days or weeks to process, most merchantcash advances involve an online application; you could potentially see the advance hit your business account within a few days.

Lenient application criteria
Another difference between merchant cash advances and traditional bank loans is that there is a wider range of accepted applicants. Traditional lenders typically only approve business owners for funding when they have good revenue, several years in business and a good credit score.

Merchant cash advances are a viable option for business owners who don’t have good credit scores, or who haven’t had enough time in business to build a solid history of creditworthiness and profitability. Since merchant cash advances are paid back through a percentage of your future sales, credit score is not nearly as important a factor as it is for other types of lenders.

No collateral required
Again, you’ll find out whether you have been approved for a merchant cash advance quickly—and unlike other types of funding, you won’t have to put up collateral against the amount you borrow. This is because merchant cash advance providers look to your current sales to get an idea of whether you’ll be able to pay back the lump sum, and not necessarily your business credit history.

Being in control of a business is hard, and finding the right financing can be quite a chore. If a Merchant Cash Advance sounds like it might be a viable option for your current situation contact NorthWest Finance thru their website www.merchantcashadvanceus.com. NorthWest works with many types of businesses nationwide.

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