A short-term business loan is typically used to fill a temporary cash flow gap and is repaid in 90 to 120 days. Short-term loans are a great way for a business to meet a temporary cash flow problem. Below are a few situations where a short-term loan may be beneficial to meet a cash crunch.

Are you an entrepreneur who has started your own business and now you’ve discovered you need cash? If you’ve been reading what I’ve been writing, then you may have picked up on a theme: you need cash to run a business.

Let’s face it -- managing cash flow is a top priority for business owners and at some point, every business faces a cash crunch. 

In the world of finance it is hard to know whom you can trust. When you need fast business loans, the last thing you want is to end up with the payday lenders of the business world. How can you get the funding you need quickly without ending up with a lender that only cares about making a quick buck?

It’s hard to believe we’re already almost through 2012! This year has flown by and thus far, 2012 seems to have been a year where small businesses have been stabilizing a bit. I say “a bit” because all the business owners I talk to still want and need additional capital to manage or grow their businesses. Many of them talk to me about alternatives to banks and financing a business because they know it is the field in which I work every day. Lucky me?!?!

Like most businesses, the management at Fast A/R Funding put together a financial projection for 2011.  With the funding of three new accounts receivable financing loan facilities so far in the month of October we are now 25% ahead of projections for 2011.  The reason we are able to be successful in the current economic environement is because of a combination of several things.

One of the questions that often comes up with clients, prospective clients and referral sources is whether a factoring company is purchasing accounts receivable by providing a factoring facility or if they are making a secured loan with the accounts receivable as collateral.  The truth is that you will get a different answer depending on who you ask and the details of the factoring facility in question.  

Before we get too far into this discussion let me make it clear that I am not a lawyer and that this blog posting is informational only and is not a substitute for legal advice from a lawyer who specializes in these types of transactions. My staff and I have worked with some great lawyers to whom we can refer you if that is of interest (make a comment to me and I will send you the information).   

Business is picking up around the country, and companies are preparing to meet the increased demand of a recovering economy. Still, the recession has small business owners cautious, and reasonably so. Thus, the question becomes, “How do I fund my small business to poise myself for growth while being fiscally conservative?” The answer is easy: try selling accounts receivable with Fast A/R Funding.

People often ask me how they can get access to cash quickly to sustain or grow their businesses.  They've heard about all kinds of financing including borrowing from banks, getting "Angel" investor funding, and raising venture capital to name a few.  They don't always understand the implications on their future business prospects if they were to secure these various types of funding (e.g. selling equity really means selling a piece of your business to new people and that means you are now responsible to those new investors...but you didn't want to work for someone, right?!?!).  There are key differences between each of these financing options.  

Loans and Receivables with Fast A/R Funding.