Adventure business ideas – Great Mum Adventure http://greatmumadventure.com/ Fri, 30 Sep 2022 01:20:13 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://greatmumadventure.com/wp-content/uploads/2021/10/great.png Adventure business ideas – Great Mum Adventure http://greatmumadventure.com/ 32 32 Lavu, the Parafin team on restaurant cash advances https://greatmumadventure.com/lavu-the-parafin-team-on-restaurant-cash-advances/ Wed, 28 Sep 2022 18:25:01 +0000 https://greatmumadventure.com/lavu-the-parafin-team-on-restaurant-cash-advances/ Restaurant software and payment platform The view launched a new solution that offers cash advances to restaurants. New Lavu Capital the offer is powered by an integrated FinTech company Paraffin and gives restaurants “easy access to quick capital,” according to a Wednesday (September 28) Press release. “It’s frustrating how many restaurateurs don’t qualify for traditional […]]]>

Restaurant software and payment platform The view launched a new solution that offers cash advances to restaurants.

New Lavu Capital the offer is powered by an integrated FinTech company Paraffin and gives restaurants “easy access to quick capital,” according to a Wednesday (September 28) Press release.

“It’s frustrating how many restaurateurs don’t qualify for traditional loans despite having a strong track record,” the Lavu CEO said. Saleem Khatri said in the press release. “The same way we’ve helped thousands of restaurants quickly switch to online ordering to survive the pandemic, we’re launching Lavu Capital to help more restaurants keep their doors open during tough times.”

With Lavu Capital, there is no need for a credit application or check, and there are one-time capital charges rather than interest, according to the release.

In practice, restaurants can view their pre-approved advance, select a principal amount and verify their bank details in order to accept the cash advance, the statement said.

After accepting, the restaurant receives the money within a day or two, pays a one-time, fixed capital fee based on the amount of capital accepted, and makes automated payments based on a percentage of sales on a set payout schedule , in accordance with the version. .

Restaurants can use the cash advance for any business expense, according to the release.

“Our mission at Parafin is to grow small businesses by making it easier and faster to access financial services, starting with capital,” said Parafin’s CEO. Sahill Poddar said in the press release. “We are honored to work with platforms like Lavu who are heavily invested in growing the thousands of restaurants they work with, to fulfill this mission.”

The announcement comes about two months after Parafin, a FinTech launched in 2020 by Robinhood Markets veterans, raised $60 million in a funding round.

Read more: FinTech Parafin raises $60 million

“When we started the business during the pandemic, we noticed that small businesses weren’t getting the help they needed,” the Parafin co-founder said. Vineet Goel said at the time. “We want to be the one-stop-shop for these platforms to offer a variety of financial products.”

New PYMNTS Study: How Consumers Use Digital Banks

A PYMNTS survey of 2,124 US consumers shows that while two-thirds of consumers have used FinTechs for some aspect of banking, only 9.3% call them their primary bank.

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We are always looking for partnership opportunities with innovators and disruptors.

Learn more

https://www.pymnts.com/news/b2b-payments/2022/partner-hub-answer-pay-team-on-einvoicing-request-to-pay-services/partial/

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DC attorney general sues Liberty Tax for ‘misleading’ promotion of cash advances https://greatmumadventure.com/dc-attorney-general-sues-liberty-tax-for-misleading-promotion-of-cash-advances/ Thu, 22 Sep 2022 20:18:00 +0000 https://greatmumadventure.com/dc-attorney-general-sues-liberty-tax-for-misleading-promotion-of-cash-advances/ The Washington, DC attorney general filed a consumer protection lawsuit against Liberty Tax accusing the tax-prep chain of misleading consumers with misleading ads and promotions and predatory pricing. DC Attorney General Karl Racine’s office filed a lawsuit Wednesday against Liberty, which is the nation’s third-largest tax-prep chain. The lawsuit alleged that Liberty aggressively marketed its […]]]>

The Washington, DC attorney general filed a consumer protection lawsuit against Liberty Tax accusing the tax-prep chain of misleading consumers with misleading ads and promotions and predatory pricing.

DC Attorney General Karl Racine’s office filed a lawsuit Wednesday against Liberty, which is the nation’s third-largest tax-prep chain. The lawsuit alleged that Liberty aggressively marketed its services to low-income DC residents by offering them $50 cash “just for the deposit,” but then increased tax preparation fees for customers who accepted the cash payments. He accused the tax preparation channel of violating DC’s consumer protection laws and is seeking a court order requiring Liberty to provide accurate and truthful information and provide financial relief to thousands of consumers, as well than civil penalties.

“We filed this lawsuit to stop Liberty Tax from unlawfully preying on DC’s most vulnerable low-income residents,” Racine said in a statement. “Now is the time for Liberty Tax to be held accountable for persistently and fraudulently inducing DC residents to overpay for tax preparation. Misleading consumers is illegal, and we will not allow businesses to profit by deceiving the residents of the district.” (Full disclosure: Racine was a classmate of this writer.)

A Liberty Tax location in Louisville, Kentucky

Luke Sharrett/Bloomberg

Liberty has had a checkered history in recent years. Its founder, John Hewitt, who previously co-founded the tax-prep chain Jackson Hewitt after working as an executive at H&R Block, was ousted from the company in 2019 after a sex scandal involving company employees, which had to solve a sexual problem. lawsuit for harassment (see the story). The company’s then-parent company, Franchise Group Inc., also settled a lawsuit with the IRS and the Department of Justice alleging that Liberty failed to maintain adequate controls over returns prepared by franchisees and failed to prevent the filing of potentially false or fraudulent statements by franchisees (see the story). Last year, Liberty Tax was acquired by NextPoint, a special purpose acquisition company, for $182 million in cash and $67 million in stock (see the story). A spokesperson for NextPoint Financial did not immediately respond to a request for comment on the DC attorney general’s lawsuit.

To entice consumers, according to the lawsuit, Liberty Tax aggressively promoted immediate distributions of $50 “just for filing with Liberty Tax” at the start of tax season before the end of February. Liberty Tax called it “cash in a flash” and described it as a “benefit” with no downside. The company has widely featured “fast cash” on its own website, in online videos, and by placing signs with signs such as “GET $50 NOW” outside of its stores, which are mostly located in low-income neighborhoods. However, the company did not disclose that consumers who accepted cash would be charged more than those who did not. On average (depending on the forms they filed), consumers who accepted the $50 offered by Liberty were then charged between $67 and $200 more for tax preparation services than consumers who did not. not participated in the promotion.

Liberty operates four locations in DC where it provided more than 12,000 cash payments to consumers as part of its “cash in a flash” promotion from 2015 to 2021, according to the AG’s office, raising prices than thousands many DC consumers have paid for tax preparation without their knowledge, especially low-income taxpayers. On average, according to the AG office, Liberty charged people who file simple returns with just a 1040 and a W-2 an average of $75 more if they accepted the $50 in cash. However, it charged people who received the earned income tax credit an average of $93 to more than $200 more than EITC recipients who did not take up the 50 cash promotion. $.

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Bank of America® Personalized Cash Rewards Secured Credit Card Review – Forbes Advisor https://greatmumadventure.com/bank-of-america-personalized-cash-rewards-secured-credit-card-review-forbes-advisor/ Tue, 13 Sep 2022 13:00:33 +0000 https://greatmumadventure.com/bank-of-america-personalized-cash-rewards-secured-credit-card-review-forbes-advisor/ Earn rewards Bank of America® Secure Credit Card with Personalized Cash Rewards* earn 3% cash back in the category of your choice: gas, online shopping, restaurants, travel, pharmacies or renovations/furnishings; 2% cash back at grocery stores and wholesale clubs; unlimited cash back on all other purchases. Earn 3% and 2% cash back on the first […]]]>

Earn rewards

Bank of America® Secure Credit Card with Personalized Cash Rewards* earn 3% cash back in the category of your choice: gas, online shopping, restaurants, travel, pharmacies or renovations/furnishings; 2% cash back at grocery stores and wholesale clubs; unlimited cash back on all other purchases. Earn 3% and 2% cash back on the first $2,500 of combined purchases in the choice/grocery/wholesale club category each quarter, then earn 1%.

Redeem rewards

Redeem Rewards with the Bank of America® Customized Cash Rewards Secure Credit Card* is simple and easy. You can select how you want to receive your rewards:

  • As a statement credit of any amount
  • By direct deposit to an eligible Bank of America account
  • As a credit to an eligible account with Merrill in any amount
  • By cheque, with a minimum refund of $25
  • As a contribution to a 529 account at Merrill, with a minimum refund of $25

You can also set up automatic redemptions on a Bank of America or Merrill account, as long as those redemptions are worth at least $25. No other exchange method is eligible for automation.

Rewards do not expire as long as your account is open.

Rewards potential

To determine the rewards potential of the Bank of America® Customized Cash Rewards Secured Credit Card* we consider what an American household might spend on a credit card each year. Forbes Advisor uses data from various government agencies to determine both basic incomes and spending averages in various categories. We estimate that our salaried households bring in $84,352 a year and we base our spending on that figure.

Forbes Advisor estimates the household has $25,087 in expenses that can reasonably be charged to a credit card. We estimate that the largest cash back category in our household is dining, where $3,526 is spent each year, resulting in cash back of $105.78. We estimate that our household would spend $4,942 on groceries, and if spent evenly throughout the year, those expenses would not push the cardholder above the $2,500 annual threshold for the total bonus winnings. This would result in a cashback of $98.84.

Our sample household would have $16,619 in additional expenses that can reasonably be charged to a credit card. At 1%, that would translate to an annual cashback of $166.19. Our sample household’s total cash back income would be $370.81.

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Is it always a good idea to get a cash advance on your credit card? https://greatmumadventure.com/is-it-always-a-good-idea-to-get-a-cash-advance-on-your-credit-card/ Tue, 13 Sep 2022 11:00:43 +0000 https://greatmumadventure.com/is-it-always-a-good-idea-to-get-a-cash-advance-on-your-credit-card/ Image source: Getty Images It’s not always a bad idea. Key points Credit card cash advances come with high fees and interest rates. Usually, you should try to avoid a cash advance. There may be circumstances where getting one isn’t the worst idea, such as if you’re using it as an alternative to an expensive […]]]>

Image source: Getty Images

It’s not always a bad idea.


Key points

  • Credit card cash advances come with high fees and interest rates.
  • Usually, you should try to avoid a cash advance.
  • There may be circumstances where getting one isn’t the worst idea, such as if you’re using it as an alternative to an expensive payday loan for an emergency expense.

Most of the time when you use your credit cards, you charge for purchases. But there is actually a way to withdraw money from your credit card: you can do it by taking a cash advance. Often this just means going to the ATM or bank and asking for one.

Taking out a cash advance might be a good solution if you have an essential expense that you can’t charge to your card and can’t afford to pay. But, in reality, there are serious financial drawbacks to doing so.

That doesn’t mean you should never take out a cash advance – but before you do, you should seriously ask yourself if it’s the right decision.

There are good reasons to avoid cash advances

In general, cash advances should be avoided as they can be a very expensive way to get cash.

You will usually be charged an upfront fee when taking a cash advance, which can range from around 3% to 5% of the amount borrowed. The interest rate may also be higher on a cash advance than your standard card rate, and you’ll usually start earning interest immediately. This is different from when you charge items to a credit card, because you don’t have to pay interest on items charged if you pay your balance in full before your grace period.

You may also not be able to borrow as much with a cash advance, as there is often a lower limit that applies. For example, if you have a $10,000 line of credit, you may only qualify for a cash advance of up to $4,000 or whatever your card issuer sets as a limit.

So, since a cash advance will cost you more and be more restrictive than simply charging something to your card, you generally shouldn’t do it.

Here’s when you might want to consider grabbing one anyway

While a cash advance should always be avoided in a perfect world, the reality is that sometimes people find themselves in financial binds and need help getting out of it. And a cash advance could be a way to do that. if alternatives will cost you more.

Say, for example, you need $500 to fix your car today and the mechanic won’t take a credit card. If you have no other way to pay for car repairs and you won’t be able to get to work and would lose your job, a cash advance might be an option if you plan to pay the money back quickly.

Or if you’re considering a payday loan to pay for an essential expense like covering your rent until your paycheck arrives, a cash advance may be cheaper.

Basically, as these examples are designed to illustrate, if you’re stuck in a corner with no other way to borrow and the consequences of not taking a cash advance would outweigh the costs of taking care of you, you have this option available. If you exercise it, however, you will want to make a plan to pay the money back as soon as possible. and a plan to make sure you won’t need to do this in the future – like saving an emergency fund.

Ultimately, cash advances are a financial tool at your disposal. But since they’re so expensive, save them for serious emergencies and do what you can to make sure you don’t end up in that situation.

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How to Get Cash Back on a Credit Card – Forbes Advisor https://greatmumadventure.com/how-to-get-cash-back-on-a-credit-card-forbes-advisor/ Mon, 12 Sep 2022 13:00:57 +0000 https://greatmumadventure.com/how-to-get-cash-back-on-a-credit-card-forbes-advisor/ Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors. “Cash Back” generally refers to cash rewards that cardholders can earn when they complete a transaction with a credit card. It should not be confused with cash back which you can withdraw […]]]>

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

“Cash Back” generally refers to cash rewards that cardholders can earn when they complete a transaction with a credit card. It should not be confused with cash back which you can withdraw from a bank account when paying using a debit card. This is also distinct from using a credit card to withdraw money from an ATM, which is called a cash advance and is not a recommended practice.

Many credit card issuers offer cash back programs that cardholders can take advantage of to see a small return on every purchase made. While earning rewards certainly shouldn’t be an incentive to overspend on a credit card, it’s worth knowing exactly how specific rewards can be earned and redeemed. Different rewards programs offer different reward rates, and some impose limits on which spend categories earn which rates, so it’s important to understand the terms and conditions of your credit card rewards before deciding which credit card. ask.

How does cashback work?

A cash back card will generally allow cardholders to earn rewards with every purchase made with the card. Some may earn a fixed percentage on every qualifying purchase, while others offer high earn rates on bonus categories such as groceries, gas, or restaurants. Accumulated rewards are redeemable for cash, often in the form of a check, credit statement, or deposit to a bank account.

How does cash back work with credit cards?

Some cash back credit cards reward all qualifying purchases with a flat percentage return, such as 1.5% or 2% back on all spend. Others offer tiered reward categories to reward spending, for example, on groceries and gas at higher rates than other purchases. Yet other cards offer rotating redemption categories every month or every quarter.

Flat Rewards

Certain cards, such as the Wells Fargo Active Cash® Card (tariffs and fees), offer a one-time reward on all qualifying purchases. The Wells Fargo Active Cash earns 2% cash rewards on purchases and remains the plastic standard for block rewards. For those looking for simple, easy-to-follow cashback, a card like this is likely to be one of your best options.

Earn multi-level rewards

Other cards, like the Blue Cash Preferred® card from American Express, offer a more complex structure for earning rewards. Blue Cash Preferred earns 6% cash back in US supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select US streaming subscriptions, 3 % cash back at US gas stations and on public transportation (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other qualifying purchases. Cash Back is received in the form of Reward Dollars which can be redeemed as statement credit. The card has an annual fee of $95 (conditions apply, see rates & fees).

While cards like this generally offer bonus categories that yield higher rewards, the lowest reward category or “catch-all” category for all out-of-bonus category purchases is usually only 1% back and will not match what you might earn. with the best flat rate cashback cards.

Reward Category Rotation

Some cards will split cash back rewards between spend categories that change on a quarterly (or other period) basis. For example, Discover it® Cash Back earns 5% cash back on everyday purchases at different locations each quarter up to a quarterly maximum of $1,500 in spend when activated. Plus, automatically earn unlimited 1% cash back on all other purchases.

Please note that some cards require a category to be activated every quarter or month before you can actually earn rewards on purchases in the category. And, as reward categories change, cards with rotating reward structures may require additional attention given to reward systems in order to realize the full potential of rewards in each bonus period.

Other constructions

The Chase Freedom Flex℠ is an example of a card that combines several approaches. The Freedom Flex earns 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, 3% on restaurants and pharmacies and 1% on all other purchases.

Still others, like the Citi Custom Cash℠ card, offer categories that change based on your spending habits: the card earns you 5% cash back on purchases in a higher eligible spending category each cycle of billing, up to the first $500 of spend each month and 1% cash back on all other purchases.

Cash Back vs. Cash Advance

Cash back should not be confused with a credit card cash advance. Although the term “cash back” is often applied to a withdrawal of funds from a checking account in the same transaction as a debit card purchase, for example, at a grocery store, this type of “cash back” is all something else with a credit card. Cash advances allow you to borrow money from your credit card’s line of credit by withdrawing cash from an ATM using your credit card.

Cash advances typically involve a separate cash advance APR, often higher than your card’s regular APR, and start earning interest the same day you borrow the money, with no grace period. There will also usually be cash advance fees. Cash advances are not recommended because the cost of borrowing money in a cash advance is usually astronomical compared to other options to get the funds you need.

How can I withdraw money from a credit card?

Making a cash advance with a credit card often incurs fees and a high APR, and does not include a grace period to pay off the balance before interest accrues. We don’t recommend taking a cash advance, but if you must, you can use your credit card at an ATM just like you would a debit card. Be sure to read your card contract carefully to understand all the terms of a cash advance before initiating a transaction.

How do I redeem Cash Back?

While the specifics vary from issuer to issuer, you’ll typically redeem cash back earned with your credit card by applying through an issuer’s app or website. Log in to mobile or online banking and apply to redeem rewards.

With many cards, you’ll be able to choose your preferred redemption method for your cash back: you can receive your rewards as a statement credit, a deposit to an eligible bank account, or a check that the issuer sends you job. Some cash back cards also allow you to redeem cash back by applying it to purchases when checking out online with a partner.

Note that in some cases your cash back will be redeemed automatically and you will not have the option to select your preferred option. For example, with the American Express Blue Business Cash™ card, any cash back you’ve earned is automatically applied as a statement credit each billing cycle.

Below are details of commonly available redemption methods for your cash back.

Check

Some issuers can pay out rewards by sending you a check. Depending on your card agreement, a check may be automatically sent from time to time or you may need to request one. A check can also be an optional redemption method alongside other choices. Checks can be one of the slowest methods of exchange, as you wait for a physical item to arrive in the mail.

Statement Credit

Another redemption option offered by many issuers is cash back in the form of statement credit. Certainly one we often see in the credit card agreements we review, statement credit puts your money back directly into your credit card account by subtracting the amount of rewards you redeem from your balance. This type of buyout option usually takes the least amount of time.

Bank transfer or direct deposit

Some issuers, especially banks that also offer checking and savings accounts, will offer wire transfer or direct deposit as a way to complete your rewards redemption. You can redeem rewards as a deposit into a checking, savings, or other type of eligible cash account and many issuers make this a fee-free and fairly straightforward process.

Gift cards

Gift cards are often listed as a redemption option for cash back, but be aware that redeeming gift cards may offer less value per reward point or dollar than other redemption options. Gift cards can also limit your options when redeeming. As a general rule, we recommend redeeming rewards for the closest thing to cash.

Conclusion

Cash back credit cards earn rewards on qualifying purchases and can be a lucrative advantage to paying with a credit card. Earning and redeeming cash back involves nuanced terms that you need to understand before applying for a cash back credit card.

It should also be noted that “cash back” as it is used to refer to the withdrawal of money from a merchant’s point of sale with a debit card is not the same with a credit card. Using a credit card to withdraw money from your revolving line of credit is called a cash advance and is generally not the most affordable way to borrow money.

To view rates and fees for the Blue Cash Preferred® Card from American Express, please visit this page.

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Get a cash advance with bad credit https://greatmumadventure.com/get-a-cash-advance-with-bad-credit/ Sun, 11 Sep 2022 13:01:00 +0000 https://greatmumadventure.com/get-a-cash-advance-with-bad-credit/ Disclaimer: This is sponsored content. All views and opinions are those of the advertiser and do not reflect the same of WFTS. With the current state of the economy, it’s proving difficult for many Americans to stay afloat financially — let alone maintain a healthy emergency fund. So, when most people have a financial problem, […]]]>


Disclaimer: This is sponsored content. All views and opinions are those of the advertiser and do not reflect the same of WFTS.


With the current state of the economy, it’s proving difficult for many Americans to stay afloat financially — let alone maintain a healthy emergency fund. So, when most people have a financial problem, they turn to loans to save the day. But it’s not always easy when you have bad credit.

In most cases, not-so-stellar credit will keep you from getting a quick loan from conventional financial sources. Fortunately, many lenders offer same-day payday loans with guaranteed approval to help these people access credit.

Here are our top 10 picks for same-day payday loans:

  1. WeLoans – Best set for fastest payday loans
  2. iPaydayLoans – Ideal for small payday loans without a credit check
  3. CocoLoan – Ideal for online payday loans with instant approval
  4. Problematic loans in the United States – Ideal for same day payday loans with no credit check
  5. American Installment Loans – Ideal for reliable installment loans with fast approval
  6. Loans for bad credit in UK – Ideal for bad credit payday loans in the UK
  7. Quick Payday Loans – Ideal for payday loans with quick approval
  8. Payday Loans UK – Ideal for UK payday loans no credit check
  9. Get a payday loan – Ideal for multiple payday lenders with same day approval
  10. Easy payday loan – Ideal for easy payday loans with quick approval

WeLoans – Best Bundle for Fastest Payday Loans

PAID CONTENT

WeLoans is an online platform that connects you with direct lenders who offer bad credit payday loans with same day approval. The website makes it easy for customers looking for fast payday loans to identify reputable lenders who would quickly approve loan applications.

The platform has a simplified three-step process to ensure that you get money to your bank account as quickly as possible. First, you must complete and submit a brief online form containing information about yourself and your financial situation. Lenders will then review and provide you with an offer in just minutes. After signing the contract, you will receive your funds the same day or the next day.

WeLoans also uses next-generation encryption technologies to protect all your personal and financial data and prevent data breaches. They also adhere to privacy standards and will not disclose information to unauthorized third parties.

Advantages

  • Doesn’t check your credit score
  • Available 24/7
  • Easy and fast approval, no waiting time
  • Highly approved by previous customers (97% rating)

The inconvenients

  • Must provide proof of income

Apply Here For Payday Loans No Credit Check With WeLoans Now >>

iPaydayLoans – Best for small online payday loans with no credit check

Best loans for bad credit

Paid Content

Paid Content

iPaydayLoans is a popular same-day cash advance option that many Americans turn to when looking for quick loans. This site has an excellent reputation for partnering with a long list of direct lenders that offer fast approval for payday loans with no credit check.

iPaydayLoans is the place to go if you are looking for a secure and reliable platform to find lenders who will provide you with payday loans even if you have bad credit. After four simple steps, your funds will be transferred directly to your account and you will have cash ready to meet your emergency.

The whole process is done online and all the steps are fully automated to ensure you get your money without much fuss. Once you find a lender and accept the offer, the money will be in your bank account in just a few hours.

Advantages

  • Great customer service
  • May qualify even with bad credit
  • Transparency and no hidden fees
  • Different types of loans are available

The inconvenients

  • Rates can be high for borrowers with extremely low credit scores.

Get instant payday loans with iPaydayLoans here>>

CocoLoan – Best for Online Payday Loans with Instant Approval

Best loans for bad credit

Paid Content

Paid Content

CocoLoan is another reputable website that connects borrowers with lenders who offer bad credit payday loans. In addition to payday loans, the platform also offers short-term loans, online fast loans, and bad credit loans.

CocoLoans understands that an emergency requires you to find money very quickly. Therefore, it partners with a long list of highly reliable lenders who will ensure that there are no delays in the loan process and that the money reaches you as quickly as possible. The platform has measures in place to ensure that you as a customer are always protected and can easily find a lender without too much hassle.

When you apply for a loan through Cocoaloans, you guarantee that your loan will be processed quickly and securely. Your personal data is protected by bank-grade encryption technology which ensures that no data is leaked to hackers or other third parties.

Advantages

  • Your data and privacy are protected
  • Simple application process
  • Easy to use and intuitive user interface
  • Low credit is also considered

The inconvenients

  • Proof of employment is essential.

Access CocoLoan’s fast payday loans here >>

What are payday loans without online credit checks and how do they work?

Payday Loans No Credit Check are short-term online cash advances that are not based on a credit score. However, it’s not as simple as it sounds, as US lending regulations require all loans to undergo a credit check. When you apply for a payday loan without a credit check, the lender will still need to do a due diligence, but will rely more on your ability to pay.

How We Picked the Best Alternatives to Payday Loans No Credit Check Online

We considered many factors when putting together this list. These are some of the key things we considered;

  • Number of direct lenders on the platform
  • 100% online loan application process
  • Loan conditions
  • Approval rate
  • Process efficiency and effectiveness

Don’t same day payday loans with no credit check really exist?

Due to US lending regulations, same day payday loans without credit checks do not exist. The law requires that all loans be subject to a credit check. Also, checking your credit is the only way for lenders to know how much to lend you and what interest rates to charge for the loan. But lenders will rely more on your ability to pay.

Can I apply for a loan even if I am unemployed?

Yes. You can apply for and qualify for a loan even if you are unemployed. However, you must provide a reliable source of income, such as retirement benefits. Whether you are employed or not, lenders need to know that you can afford to repay the loan on time and in full.

Last words

Online payday loans are a great source of quick cash when you’re stuck between a rock and a hard place. They are fast, reliable and available when you need the money most. The above platforms will connect you with various lenders who will consider you for a loan, even with bad credit.

However, keep in mind that the best solution to your financial difficulties is to find ways to better manage the finances you already have so that you have money set aside for rainy days.

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Jewelry store owner jailed for cash advance fraud | USAO-SDTX https://greatmumadventure.com/jewelry-store-owner-jailed-for-cash-advance-fraud-usao-sdtx/ Fri, 09 Sep 2022 15:34:45 +0000 https://greatmumadventure.com/jewelry-store-owner-jailed-for-cash-advance-fraud-usao-sdtx/ HOUSTON — A 40-year-old man, Katy, has been sent to federal prison following his wire fraud conviction, U.S. Attorney Jennifer B. Lowery has announced. Santiago Mora pleaded guilty on March 3. Today, US District Judge Andrew Hanen imposed a sentence of 27 months in prison which will be immediately followed by three years of supervised […]]]>

HOUSTON — A 40-year-old man, Katy, has been sent to federal prison following his wire fraud conviction, U.S. Attorney Jennifer B. Lowery has announced.

Santiago Mora pleaded guilty on March 3.

Today, US District Judge Andrew Hanen imposed a sentence of 27 months in prison which will be immediately followed by three years of supervised release.

Mora was co-owner with his business partner of Alku Modern Jewelers located in Katy.

During sentencing, the judge heard that Mora failed to deliver prepaid Rolex watches worth approximately $3.9 million to a customer. In an effort to pay the client and others, Mora executed a scheme whereby he obtained a total of $500,000 in merchant cash advances via wire transfer by impersonating and using the correct credit. of its business partner.

Mora eventually admitted to his fraudulent dealings with his business partner and using his partner’s identity to request and receive several cash advances from the merchant.

Mora was taken into custody in Miami, Florida in June 2021 after failing to appear in court for further proceedings.

Mora will remain in custody pending transfer to a US Bureau of Prisons facility to be determined in the near future.

The FBI investigated. Assistant U.S. Attorneys Tina Ansari and Grace Murphy prosecuted the case.

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Should you be excited about the 6.46% CAGR of the merchant cash advance market? https://greatmumadventure.com/should-you-be-excited-about-the-6-46-cagr-of-the-merchant-cash-advance-market/ Tue, 06 Sep 2022 16:27:03 +0000 https://greatmumadventure.com/should-you-be-excited-about-the-6-46-cagr-of-the-merchant-cash-advance-market/ The latest research coverage of the Merchant Cash Advance market provides a detailed overview and accurate market size. The study is designed considering current and historic trends, market development, and business strategies adopted by industry leaders and new players entering the market. In addition, the study includes an in-depth analysis of global and regional markets […]]]>

The latest research coverage of the Merchant Cash Advance market provides a detailed overview and accurate market size. The study is designed considering current and historic trends, market development, and business strategies adopted by industry leaders and new players entering the market. In addition, the study includes an in-depth analysis of global and regional markets along with a country-level market size breakdown to identify potential gaps and opportunities to better study the state of the market, development activity, value and growth models.

Access a sample report + all related charts and graphs @: https://www.advancemarketanalytics.com/sample-report/176834-global-merchant-cash-advance-market#utm_source=ComtexLal

Major and emerging players in Merchant Cash Advance Market:-
Lendio (USA), Fundbox (USA), CAN Capital Inc. (Costa Rica), National Business Capital (USA), Kabbage (USA), Rapid Finance (USA), National Funding ( USA), Kalamata Capital Group (USA), Libertas Funding (USA), Perfect Alliance Capital (USA), OnDeck (USA),

Merchant Cash Advance Market research by AMA Research provides an essential tool and source for industry stakeholders to understand the market and other fundamental technical aspects, covering growth, opportunities, scenarios competitive and key trends in the merchant cash advance market..

Unlike traditional loans, merchant cash advance is a business financing process that provides cash funds to an organization for expansion, business growth, seasonal cost coverage, etc. The option can be useful for companies that do not have a sufficient balance to apply for the loan and are in urgent need of cash. It is structured as a lump sum payment to a company in exchange for an agreed percentage of future sales. When applying for a cash advance, merchants do not need to do lengthy paperwork like bank business loans and get quick approval and funding. By type of method, split finance segment will dominate over the forecast period, and by vertical, retail and e-commerce sector will take the largest market share by 2026. Market is broken down and major geographies with country-level breakdown. According to AMA, the global merchant cash advance market is expected to grow at a growth rate of 6.46% and could reach a market size of USD 1,142.63 million by 2026.

The titled segments and sub-sections of the market are illuminated below:
by sector (IT & Telecom, healthcare, manufacturing, retail & e-commerce, travel & hospitality, energy & utilities, other), method (fractional financing, escrow account, direct debit)

Market trends:
Growing trend for less documentation during application and closing costs
Increasing digitization across the world

Opportunities:
Easy financing option for SMEs that don’t have a limited balance for traditional loans
Growing demand from developing countries such as India

Market factors:
Increased preference for merchant cash advances as they provide quick access to capital
Growing demand due to various advantages

Inquire for customization in Report@: https://www.advancemarketanalytics.com/enquiry-before-buy/176834-global-merchant-cash-advance-market#utm_source=ComtexLal

In March 2020, payments from merchant dew drop nearly 20% to 30%. Furthermore, the pace of payments continued to decline in April as well as in May. At the same time, merchant cash advance lenders’ portfolios look worse as performing loans are repaid and a shortage of new loans automatically puts their portfolios at increased risk. Thus, it can be said that less business across the world can lead to lower demand for peanuts across the world. However, demand has currently returned to pre-COVID19 levels and is expected to increase over the forecast period.

A few points from the table of contents:
Chapter One: Presentation of the Report
Chapter Two: Global Market Growth Trends
Chapter Three: Value Chain of Merchant Cash Advance Market
Chapter Four: Player Profiles
Chapter Five: Global Merchant Cash Advance Market Analysis by Regions
Chapter Six: North America Merchant Cash Advance Market Analysis by Countries
Chapter Seven: Europe Merchant Cash Advance Market Analysis by Countries
Chapter Eight: Asia-Pacific Merchant Cash Advance Market Analysis by Countries
Chapter Nine: Middle East and Africa Merchant Cash Advance Market Analysis by Countries
Chapter Ten: South America Merchant Cash Advance Market Analysis by Countries
Chapter Eleven: Global Merchant Cash Advance Market Segment by Types
Chapter Twelve: Global Merchant Cash Advance Market Segment by Applications

What are the market factors that are explained in the Merchant Cash Advance Market report?

– Key strategic developments: Strategic market developments, including R&D, new product launches, mergers and acquisitions, agreements, collaborations, partnerships, joint ventures, and regional growth of major competitors.

– Main characteristics of the market: Including revenue, price, capacity, capacity utilization rate, gross, production, production rate, consumption, import/export, supply/demand, cost, market share, CAGR and gross margin.

– Analytical tools: The analytical tools such as Porter’s five forces analysis, SWOT analysis, feasibility study, and investment return analysis have been used to analyze the growth of the key players operating in the market.

Purchase this exclusive research here: https://www.advancemarketanalytics.com/buy-now?format=1&report=176834#utm_source=ComtexLal

Ultimately, this report will give you an unequivocal perspective on every market reality without the need to hint at any other research report or news source. Our report will give you all the realities of the past, present and eventual fate of the relevant market.

Thank you for reading this article; you can also get individual chapter wise section or region wise report version like North America, Europe or Asia.

Contact us:
Craig Francis (Public Relations and Marketing Manager)
AMA Research & Media LLP
Unit #429, Parsonage Road Edison, NJ
New Jersey United States – 08837
Telephone: +1 (206) 317 1218

COMTEX_413854321/2808/2022-09-06T11:23:55

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Financial tool supports farmers’ cash flow – SteinbachOnline.com https://greatmumadventure.com/financial-tool-supports-farmers-cash-flow-steinbachonline-com/ Mon, 05 Sep 2022 10:10:03 +0000 https://greatmumadventure.com/financial-tool-supports-farmers-cash-flow-steinbachonline-com/ Every fall, you’re faced with big decisions about how best to market your crops or livestock, knowing you want to maximize your yields and generate essential farm cash flow. “Farmers need a financing tool that gives them the flexibility to sell when and at the price that suits them best,” says Dave Gallant, director of […]]]>

Every fall, you’re faced with big decisions about how best to market your crops or livestock, knowing you want to maximize your yields and generate essential farm cash flow.

“Farmers need a financing tool that gives them the flexibility to sell when and at the price that suits them best,” says Dave Gallant, director of finance and operations at the Canadian Canola Growers Association (CCGA).

A CCGA Advance Payments Program cash advance is a financial tool that supports your farm’s working capital needs. Put an advance to work and have more time to execute your marketing plan, cover seasonal operating expenses, pre-purchase inputs for next year’s crop, or make upgrades and repairs – whatever best suits your farm.

“We know farmers have a choice when evaluating cash flow options, and if you’re not already using an Advance Payments Program cash advance, it’s definitely worth checking out. eye,” says Gallant. With recent changes to the program, a CCGA cash advance can help many farms reduce the cost of borrowing from their short-term financing needs.

An application CCGA cash advance is interest free up to $250,000 and farmers can borrow up to $1 million. The interest-bearing portion is charged at prime minus 0.75%, making a cash advance particularly valuable in today’s rising interest rate climate.

WHY A CCGA CASH ADVANCE?

With nearly 40 years of successful farmer experience, CCGA strives to make the cash advance program as convenient and easy as possible. We offer:

  • One-stop shop for agricultural cash advances. The CCGA offers advances on more than 50 conventional and organic products.

  • Simple reporting service. The CCGA offers several ways to manage your advance, including our online CCGA account.

  • Support from an experienced team. Our staff makes it easy to apply for a cash advance, whether by phone or online.

“To apply, we encourage new clients to call us,” says Gallant. “Our team is trained to guide new candidates through every step and get you started in as little as 20 minutes.”

The Advance Payments Program is a federal program administered by the CCGA. It provides Canadian farmers with marketing flexibility through low-interest, no-interest cash advances.

“The CCGA provides us with a cost-effective option to help us manage our cash flow and budget.” – Alberta Farmer

“Your staff are friendly and helpful and our account processing speed is very fast. I am very pleased with the service you provide. – Saskatchewan Farmer

“The best enhancement to your online service is uploading documents. Faster than emails. – Manitoba Farmer

IF YOU’RE CONSIDERING YOUR FIRST MONEY ADVANCE OR IF YOU HAVE ANY QUESTIONS, CALL OUR EXPERIENCED STAFF AT 1-866-745-2256.

1-866-745-2256. Returning customers can also apply online.

Visit Canadian Canola Growers Association

Visit Agriculture and Agri-Food Canada Advance Payments Program

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How to Apply for PaydayMint Cash Advance Online with Bad Credit and No Credit Check https://greatmumadventure.com/how-to-apply-for-paydaymint-cash-advance-online-with-bad-credit-and-no-credit-check/ Tue, 30 Aug 2022 13:56:11 +0000 https://greatmumadventure.com/how-to-apply-for-paydaymint-cash-advance-online-with-bad-credit-and-no-credit-check/ What is a cash advance? A cash advance is a small loan obtained to cover an urgent or unexpected expense. If you find yourself in a difficult financial situation, cash advance loans could help you get the money you need right away. Withdrawals from credit cards or lines of credit are considered cash advances. In […]]]>

What is a cash advance?

A cash advance is a small loan obtained to cover an urgent or unexpected expense. If you find yourself in a difficult financial situation, cash advance loans could help you get the money you need right away.

Withdrawals from credit cards or lines of credit are considered cash advances. In this sense, you can use your available credit to get money if you have it. Rarely, there may be fees associated with withdrawing a cash advance. There are usually additional finance charges or relevant interest if the money is not repaid before the end of the billing period.

Another option is a cash advance loan, also known as a payday loan. If you’re short on cash, you can take out short-term personal loans like cash advance loans. They could be used to pay for planned or unforeseen expenses.

How to acquire a cash advance?

Cash advances come in many forms. Payday loan companies and lenders that offer personal installment loans both offer cash advances online. You may be able to get a cash advance using your credit card.

Cash advance with the help of PaydayMintcan pay for a financial emergency, an unexpected medical expense, or any other situation that arises in life.

You can borrow up to $5,000 with PaydayMint and often receive the money within 1-2 days. Here’s how it goes:

  • Apply online: We’ll tell you within seconds if you qualify after you give us some basic information.
  • Choose your terms: After getting a fixed amount, specify the amount you want to borrow (up to your approved amount). Depending on your state of residence, our loan limits range from $500 to $5,000. To set payment dates that work for you, use our Choose your terms option.
  • Get Funded: Typically, applications submitted and approved by 6 p.m. ET are funded electronically the next business day.

What makes PaydayMint the best option for an online cash advance?

Online cash advance lenders abound, but Payday Mint stands. We not only give you access to cash in your account tomorrow and a simple online application process, but we also give you the tools you need to build a brighter financial future.

PaydayMint is available to help you:

  • Build credit: With Free Credit Score Plus, we’ll give you quick access to your credit score as well as free credit alerts and financial education tools so you can develop better credit management skills. money and a brighter financial future.
  • Towards better rates: We strongly believe that a brighter financial future starts with easy access to credit. We are therefore committed to lowering our prices. More than 250,000 customer rates have already been lowered by us so far! Payments made on time should be rewarded.

Make the best decision possible by completing PaydayMint’s short online cash advance application to get the best price.

What options are available for cash advance loans

payday loan

A payday loan is a small, short-term, instant cash advance. You can borrow $100 to $1,000 in payday loans online, subject to your state’s regulations. A payment must be made by the due date on a payday loan (usually on your next payday).

Installment loans

Online installment loans are short-term financial advances. Loan amounts that can be taken out range from $1,500 to $5,000. Depending on the loan terms, installment loans can have a maximum term of 24 months. The rules of an installment loan state that installments must be made on a regular basis (weekly, monthly, etc.).

What makes PaydayMint the best option for an online cash advance?

An online cash advance loan from PaydayMint may be a good choice for you if you want to make regular payments and need more time than a few weeks to repay the loan. It could also be a good choice for you if you need to borrow more money.

PaydayMint is separate from other online payday advance providers and marketplaces. We work exclusively with a reputable network of fair and honest direct lenders. Due to the size of our customer base, you have access to fast approval times, competitive loan offers and no additional fees.

You can use the cash loans you get from us for anything. Easily use cash advances without having to defend your actions afterwards, because lenders won’t look into where you’re using the money.

Traditional credit checks are not performed by our lenders and no collateral is required. They might do a light “alternative” credit check in its place to protect your credit score. Plus, they are ready to provide assured acceptance for payday loans with low credit.

We urge you to use cash advances wisely because we want you to succeed financially. By doing so, you can build credit while making regular, predictable loan repayments.

Cathy Pamela Turner

Personal Finance Writer at PaydayMint

Cathy Pamela Turner has extensive expertise in banking, finance and accounting. Much of her experience has been spent in commercial banks, where she held the positions of underwriter credit risk policy manager, credit risk manager, credit manager and many others. Throughout her banking career, Cathy not only reviewed different types of business and personal loans, but also created and monitored policies on when these loans were made and how they were monitored.

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