A business loan or restaurant loan can be hard to come by.

AmeriMerchant provides credit card factoring services to all types of businesses. Furthermore, there are many advantages to choosing a business cash advance against your future credit card receivables over a business loan product.

Below is a comparison chart that will highlight the differences between the two:

AmeriMerchant Business Cash Advance	Business Loan / Restaurant Loan
A 90% approval rate on working capital cash advance requests	Reject most small business loan or restaurant loan credit requests
Approval on average of 24-72 hours once all paperwork is submitted	Approval on average 1-4 weeks once all paperwork is submitted
Funding typically available in 7 days or less	Funding typically available in 4-8 weeks
No fixed monthly payment to worry about. We take a % of your future credit card sales until we are paid back. We only get paid when you get paid by your customers. Therefore, if you have a slow month, your payback to us slows down.	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.