QUESTIONS AND ANSWERS

WHAT IS A BUSINESS CASH ADVANCE?

A business cash advance provides small business owners with access to needed capital. NBG advances money by purchasing a pre-determined amount of the business sales volume sold through a credit card merchant account.

HOW LONG WILL I HAVE TO WAIT TO FIND OUT IF THE BUSINESS CASH ADVANCE HAS BEEN APPROVED?

Approval is usually obtained within 24 hours once required documents are sent to underwriting. Funding usually takes 1-3 weeks, from the date an application is submitted.

HOW MUCH CAN A BUSINESS QUALIFY FOR?

Businesses can qualify for $3,000 to $300,000.

HOW DOES NBG DETERMINE THE SIZE OF THE BUSINESS CASH ADVANCE?

The amount of receipts purchased is determined by the average credit card volume over a 180 day period. We encourage submission of any documentation (bank statements, sales tax receipts) that supports total sales volume in order to be approved for the highest amount possible. We will approve your business for the largest amount possible based upon the documentation provided.

HOW DOES A BUSINESS REPAY THE BUSINESS CASH ADVANCE?

NBG collects a small percentage of each credit card transaction through a preferred processing bank.

DOES THE BUSINESS RECIVE THE SAME LOW RATES AS THIER EXISTING CREDIT CARD PROCESSING ACCOUNT?

Yes, we will match current processing rates.

WHAT ARE THE REQUIRMENTS FOR A BUSINESS TO QUALIFY?

	Restaurant, Retail or Service Business
	At least 9 months in business
	Accept credit cards as a form of payment
	Provide processing statements for the previous 4 months of at least $4,000 per month in credit card sales, $2,500 franchises
	Provide 4 months of bank statements with consistent balances for higher approval amounts
	Acceptable personal and business credit (may have as low as 500 personal credit)
	Has no open tax liens, judgments or bankruptcies
	Is in good standing with landlord with at least one year remaining on lease
	Special funding programs are available for newer businesses and internet businesses. Call for information.

THE FEE?

The fee is based upon: underwriting guidelines, length of time in business, length of lease, monthly credit card volume, average monthly sales volume and past business history.

WHAT ARE THE OTHER BENEFITS?

	The program is simple!
	Funding can occur in as little as 10 days
	Easy payback terms and conditions
	Can include all fees in cost of goods
	Available funding for opportunistic buys
	Tax deductible
	Improves cash flow
	Builds business credit
	Increases "open to buy" for retailers
	No need to mark down inventory to raise cash for new inventory
	May receive additional funding for other purposes upon request
	No set term

NBG Financial Inc

25 Enterprise
Suite 515
Aliso Viejo, CA 92656
Toll Free (888) 345-2379
Fax (888) 274-8280

Need a small business loan?
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