Got a struggling business trying to get off the ground?  Looking to start a new entrepreneurial venture?  Need additional working capital to see your profits through?

Believe it or not, there are plenty of established businesses ready to help you.  Merchant Advisors is one of them.  Providing assistance to businesses on the rise,  they offer small business funding and numerous other services including payment processing, invoice liquidation and  business cash advances.

The Business Cash Advance is an amazing service designed to get your business greased with much-needed finances as fast as possible.   With a 95% approval rate, this is as good a funding source as can be for any small businesses. Cash advance loans are approved within 24 hours with no additional fees on your part.   Even better, because it is technically a business loan, it doesn’t go on your credit report and may even be tax-deductible!

Their payment processing services will help your business get started fast in receiving alternative purchase options from customers.  Accept credit cards, checks and wires as payment options with little trouble to setup.  Get next day merchant funding to help your business support itself.  If you own a small business with limited cash and little time to take care of other things, Merchant Advisors can become your one-stop shop to help you get things sorted fast.

Cosmetic surgery is on the rise and everyone deserves to be in on the action.  If you’ve ever felt you needed elective medical care but couldn’t spare the expense right out of your pocket, you might find patient financing a service worthy of much praise.

With patient financing, you can enjoy your medical procedure today without worrying about the high costs - you can pay low monthly rates over a period of time depending on your final arrangement.  This way, you don’t have to postpone getting that much-needed skin treatment while still keeping your finances afloat.

How does it work?

For instance, you decide to get extensive dental work.  You apply for cosmetic dentistry financing  and work out the details of your payment methods with the agent.  The agent makes their arrangement with the doctors and once all parties are amiable to the terms, your procedure is carried out. After your operation, you pay your fees as you have agreed to with the agent - most likely fixed monthly payments over a set period to cover the full cost of the procedure.

The same process should hold for any operation offered by the financing company: you can get a loan for breast implant, apply to have LASIK eye surgery financed, or request the special payment rates for a weight loss operation.

With patient financing,  you get the procedure and pay for it at rates most comfortable for you.  You can choose any payment period from 6 months to 4 years, allowing you to pay really low monthly premiums.  With no downpayment and no charge to consult, there is no reason put off that surgery longer than you need to.

Payday One is an online payday loan company offering much of the same cash loans we frequently write about in this site and that you can find around the web.  The niche is definitely saturated and one needs to stand out to bring in customers.  Payday One just might be doing that. What sets them apart from the competition?

1. Guaranteed Best Rate

Payday One is, by far, the only online payday lending service I’ve seen to offer a best rates policy.  They’ll willingly match whatever top rate you can get from any other payday lender online.   If you’ve been to another lender with better interest rates, just inform your lending rep and they’ll do it one better.

2. Professional Site

Too many payday advance sites just come across very unprofessional - like they were literally thrown together on Dreamweaver by the night-shift pawn shop clerk.   Payday One does a great job of both assuring concerns and encouraging users by having a great site with clear instructions and easy-to-understand explanation of their features.

3. U.S-Based

Many payday lenders work from out of the country to avoid abiding by local state lending laws.  Payday One is local, operated in the U.S. and is licensed in many states - everything is legal and fully accounted for.

4. Phone Support

You can apply for a loan either online or via phone (available from Monday To Saturday, business hours).  Payday One takes pride in their customer service and strives to live up to their goal of becoming the most customer-friendly payday-lending service around.

5. Fast, Convenient Loans

Like many online cash advance lenders, they offer fast overnight service.  No documents are needed to be faxed.  No credit checks are necessary.  Most importantly, everything is secure.

Need A Cash Loan Today?

Payday One sounds like a real winner.  Visit them now for your fast cash needs!

With all the badmouthing the payday loan industry receives, it’s easy to feel like an uneducated lynch mob is on the offensive.  Checking the numbers, it looks like a plausible reality.

Think payday loan offers take too much off its customers’ money?  Take a hard look at these numbers and compare payday loans to other lending alternatives that all of the industry’s opponents seem to lack relevant knowledge of.

In 2005, payday lending companies loaned over $42 billion in credit to its customers.  In return, they made over $4.2 billion in fees as profit.  That’s a 10% return on investment - not exactly what you expect from what the media has judgmentally christened “predatory lenders.”

Now, compare that against other financial services being peddled as designed to benefit consumers:

Consumers paid $4.2 billion in ATM service charges in 2006 to withdraw their own money

Consumers pay an estimated $22 billion in NSF fees to banks and credit unions

Banks collect an estimated $10.3 billion annually for overdraft protection services

Credit card interest total in the year 2000 was a little more than $87 billion

An estimated $57 billion in late bill payment fees were collected by businesses in 2003, more than 140 percent of the total estimated payday lending volume in the United States

Credit card late fee penalties totaled over $11 billion in 2005

If you find yourself in a financial emergency and in need of alternative sources for cash, look at your options and see how sensible a payday loan becomes:

$100 Payday Advance will net you $15.00 in fees
$100 Overdraft Protection damages you $26.90
Credit Card Late Fee on $100 Bill will cost you $37.00
Late/Disconnect Fee on $100 Utility Bill should take you for $46.16
$100 Bounced Check NSF/Merchant is a solid $54.04

Now, will choosing to get a payday loan really cost you more or save you some?

We’ve all heard the arguments about the evil of payday loans.  If it is to be believed, payday lenders seek to maim and kill their customers.  Who in their right mind would want to cripple the very people keeping them in business?

Sure, there are plenty of arguments to be made against the industry. The high interest rates attached to personal fast cash loans are well-documented, often-repeated and are just as excessive as they sound. This is especially true in states where no limits on interest rates are set on money lenders.

That’s to say nothing of the industry’s shady reputation for predatory practices, or the allegations of racism, ageism, and classism that opponents continually sling against the payday loan business during the course of its profitable existence.

However, some have claimed the industry’s alleged evils are nothing more than the industry’s rivals finding a flaw and flaunting it to the media.

Whether true or not, payday loans will never go away.  Banks, as a source of fast personal loans, just aren’t viable for the low-income communities the payday loan business serves.  Fast cash loans have a wealth of legitimate and helpful uses for their customers - the working class - and legislators should not be sidetracked by baseless appeals otherwise.

Unable to truly get rid of payday lending, the best bet for its opponents is to put a cap on interest rates.  Logically, this is the most likely scenario - help the consumers by keeping the businesses that keep them afloat intact while allowing them to pay more manageable rates.