Copyright © 2007 Discount Merchant Funding All Rights Reserved A business loan or restaurant loan can be hard to come by. Discount Merchant Funding 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: Discount Merchant Funding Business Cash Advance Business Loan Restaurant Loan A 96% approval rate on working capital cash advance requests Reject most small business loans or restaurant loan credit requests Approval on average of 24 - 48 hours once all paperwork is submitted Approval on average 1- 6 months once all paperwork is submitted Funding typically available in 3 days or less Funding typically available in 2 - 6 months 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. NO PERSONAL GUARANTEE. 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. Personal Guarantee required.