WHY Choose Us

• Fast 48 Hour Approval!
• No Application Fees!
• No Closing Costs!
• No Hidden Fees!
• Obtain Cash Quickly!

Our Promise

PayPoint Merchant Account Services promises to help small business owners and merchants establish credit card processing at very reasonable rates. We can also help merchants obtain the business funding needed to grow or maintain their business as quickly as possible with the highest level of service and ethics, with a Business Cash Advance.

What is an Unsecured Business Loan?

What you need to know about your business funding options...

When you need to boost business cash flow fast but have no collateral, there are few options for most small business owners. An Unsecured Small Business Loan is a form of small business funding obtained from a bank or other lender that does not require collateral, personal liability or other security. Because of the higher risk involved, interest rates are much higher with unsecured small business loans than with secured loans.

A credit card is an example of an unsecured loan. The borrower is not required to secure a cash advance or items purchased with any physical belongings. Conversely, in a home equity loan the borrower puts their home up against the loan as collateral. If they fail to repay the loan, they risk losing their home and having their credit rating suffer.

Merchants struggle to increase their business cash flow. Obtaining business funding when first starting up or recovering from periods of slow sales is very difficult. Often, small business owners do not have anything to use as collateral when they need a loan, so they must apply for an unsecured business loan. The lender will approve the amount of a small business loan based on credit checking and scrutiny of your business finance profitability. This makes it difficult to obtain business funding for a startup with limited business cash flow or a company that carries debt. Your company may qualify for an unsecured loan, but at a higher interest rate and for less cash than required. Clearly, an alternative to unsecured business loans is needed.

Fortunately, we offer a better business funding solution. Our Business Cash Advance holds all the positive elements of unsecured business loans, but without difficult approval, high credit score requirements, or a strict monthly repayment schedule. An unsecured small business loan is not the only option for small businesses funding any longer.

"Thanks to Paypoint Merchant Account Services, I got the business cash advance I needed in days, after my own Bank declined me! " - Judy K.

We Help Your Business Funding with a Business Cash Advance

Trust Our Expertise to Finance Your Business Growth

Paypoint Merchant Account Services provides the best alternative to unsecured business loans in the form of a Business Cash Advance. Our program offers all the advantages of a traditional loan without the downsides. Once approved, you can receive a lump sum of cash immediately! You can use the funds to expand your business, add inventory, advertise or purchase new equipment.

It is easy to qualify for a Business Cash Advance from Paypoint Merchant Account Services. We simply need to know the type of business you are running and for how long. Your monthly credit card processing volume will determine the amount of cash you can receive. Call one of our friendly representatives for more information, or apply now.