You Need To Jump On The Web Bandwagon Today! This Is How.

If there is one thing 2020 made crystal clear, it is that you cannot sit on the fence about taking your business online. It is no longer about deciding ‘if’ or ‘when’ you go virtual, but rather ‘how soon’– and ‘why’ you haven’t done it already?

The already accelerating trend for eShopping and online B2B marketing and sales was given a big bump due to the pandemic. Consumers moved online wholesale and the changed buying behaviors of 2020 are expected to hold steady in the long run. So, if you are a business owner – of any type of business – without a digital footprint, then you need to call a Digital Marketing agency today.

And just in case you are wondering if the World Wide Web is essential for every business? Then the short – and unequivocal – answer is YES!

It is not just a critical business component for B2C retailers selling directly to individual customers, but it is equally essential for B2B or other companies who might not want to sell directly in the virtual world. Establishing a web presence is as much about brand building, discoverability, and reputation as it is about making a cash sale.

How to start building your digital presence?

  • The first step is to hire a reputable digital marketing agency or a professional to strategize and plan your online debut. You – along with your partner agency – will have to make many decisions based on your business activity, target audience, industry, and myriad other factors. These will become the foundation of your digital efforts in the long run.
  • It is important to have a 360-degree digital plan that includes building a brand website, company integration on third-party sites, listings in various portals, and of course, social media engagement.
360 Degree Digital Plan
  • You will also need to put aside a decent advertising budget to make your business stand out from the clutter and reach your target audience.
  • In the long-run, you must keep updating and innovating online to maintain and expand your reach. Online marketing and eCommerce is an ever-evolving field, and for continued success, one needs to persistently engage present and potential customers.

The scope listed above would have made it clear to you that going online is not a simple or cheap affair. Sure, you can build a website for very little, but to really attract and retain customers and build your brand, you will need to invest more and budget for the long run.

Where do we come in?

While your profits will define your regular advertising budget, we can help you with the initial investment. Over the years, our industry-best cash advances have helped thousands of businesses test new waters and expand beyond their original plans. So, if you see a clear path to growth in the virtual world, then reach out to our team to find out how much financing you can qualify for from us to get started.

Prep Your Business For The Holiday Season With A Merchant Cash Advance

The holiday season is the money-making time for most retail businesses! If done right, a good holiday season can actually bring enough profits into a business to sail through the extreme low-season cash flow challenges. All SME owners know this, and most plan well to make the most of the Christmas season; however, many get tripped by one big stumbling block – money!

So how can you avoid falling into the cycle of low-investment-low-profit this year? The answer is simple, by bringing in financing on time. Naturally, maxing out your credit cards or queuing up at the bank is not going to work, and thankfully alternative financing agencies like ours can be relied upon to provide financial aid where and when needed.

At Crest Hill Capital, we specialize in providing small and medium-sized businesses with fast and hassle-free access to merchant cash advances.

What Is A Merchant Cash Advance?

An MCA can be defined as an advance payment in exchange for a percentage of future sales from a business. Businesses that apply for a cash advance will get the amount deposited quickly into their accounts and repay the amount and associated fees as daily/weekly deductions from their business revenue.

A merchant cash advance is great for fulfilling short-term capital needs and can also be used as a liquidity booster for new business ideas.

The Crest Hill cash advances are

  • Extremely fast – often servicing clients in 24-48 hours;
  • Flexible – offering freedom to take on any amount
  • Fair – taking a holistic view of the creditworthiness of the business

Some of our clients have used our MCAs to manage high-seasonal peaks by:

  • Buying more inventory well-in-advance to accommodate the growing demand
  • Hiring extra staff to manage the holiday rush
  • Providing attractive discounts and seasonal offers
  • Laying on extra marketing budgets to attract more customers.

The list goes on!

If your business can make money during the upcoming holiday season, then now is the time to pull out all the stops. With alternative financing options, you finally have the capability to execute your biggest ideas. Don’t waste this opportunity!

Call the Crest Hill Capital team to understand how much you can get and to know the details of the repayment terms and conditions. Our team can be reached at 800-828-0452.

Smart Ways to Use Commercial Truck Business Financing

If you’re the owner of a trucking business, you may be already aware of the areas that need an infusion of funds. To take your business to the next level, you need to invest in certain areas to increase profitability in the long run. This is where trucking business funding can help. 

Recruiting the Right Team

Unless you have skilled operators handling your fleet, you run the risk of accidents, which may even have legal implications. With trucking company funding, you can hire experienced and trained drivers. Apart from recruitment, as a business owner, you also need to ensure good working conditions as your staff may be involved with loading, lifting, and other dangerous activities. 

Trucking Company Funding

Covering Maintenance Expenses

It’s a well-known fact that this business has a high overhead cost. From repairs to gas, there is a number of expenses that simply can’t be ignored. Just a couple of months of slow business can drain your finances, and you may find yourself in trouble. To combat this, you can apply for commercial truck business financing in the form of a merchant cash advance. 

Meeting Government Regulations

When you have adequate funds in your business bank account, it makes it easier to follow new regulations instituted by the government. From necessary paperwork to investing in electronic monitoring, you can adhere to safety and health standards that are practiced in the industry. Further, with COVID-19, you may have to spend extra on sanitization and maintenance. 

While running a trucking business may be expensive, you can meet your financial requirements by applying for a cash advance. This simple application process and flexible structure for repayments will reduce your stress off your business. Contact leading lenders in the market who offer trucking business funding.

Three Examples of How You Can Use Alternative Financing to Pivot Your Business Model

Agility is the secret spice for successful businesses across the globe.

Economic factors keep changing, and technological and geographical disruptions can even leave the most successful businesses struggling. The pace of this evolution has picked up in the last decade, and sometimes it takes just a couple of years for entrenched business models to get usurped by innovative forces. The key to remaining profitable while facing changes is to stay ready and willing to pivot your business to adapt to the new business environment.

Here are three examples of how Small Business With Small Capital changed their existing models to match the changing demands of their target customer groups. Crest Hill Capital helped them with merchant cash advances to adjust their business models:

Dine-in to Catering

The restaurant business is very profitable but also notoriously competitive. Running a fully staffed kitchen and renting an expensive location can result in standing costs that must be met even when the foot traffic is low. To make sure profits remained steady, one of our clients set up a fine-dining catering service for corporate events. This allowed him to open up a secondary revenue stream to ensure low season or changing diner behavior didn’t affect his bottom line much.

(Chris used our cash advance to set up an outside kitchen and hire a van for his catering business).

Small Business Funding Online

Physical Storefront to Ecommerce

The massive explosion in online shopping led 63-year-old Joanna to finally jump into the virtual marketplace and tread ahead of her competitors. Not a digital native, she opted to use a professional agency to get her craft store online.

(Joanna used Crest Hill cash advances to hire a digital marketing agency to build her website, run her social media assets, and paid marketing campaigns).

Accounting Office Goes Online With SaaS-Based Financial Services

Many services, such as accountancy, financial consulting, and bookkeeping can be done entirely online. In fact, putting these services online can help companies expand their customer base outside their cities. One of our clients did just that! James and Susan turned their accounting and bookkeeping business into an international service provider by shifting their operations online. They shut down their expensive office and worked from their home offices to save costs and positioned their brand as a subscriber-led service for foreign companies transitioning to the US market.

(We helped James and Susan hire a brand consultancy and digital marketing firm to recalibrate their business outreach and attract international clientele).

If you have a business idea in mind that can keep your profits stable in the long run, don’t wait to implement it. If a lack of capital is the sticking point, then call us at 1-800-828-0452 to understand the details of our cash advance products. We have helped thousands of small businesses over the last few years and will undoubtedly be able to help you too!


Every nightclub owner would want to see their space filled with people, lively music, and fun times. To achieve this, it is important to create the right atmosphere, so customers are drawn to come inside, not just over the weekend but on weekdays as well. Take a look at how nightclub financing can help.

Themed Events

Similar to how hotels offer innovative dishes and seasonal specials to attract their clientele, a nightclub can host an event such as a cocktail party, food fests, fashion show, music concert, or a themed night. You can base these events on popular holidays or occasions such as Valentine’s Day, Christmas, or New Years’. There are reputed lenders that offer nightclub business financing to meet these needs. 

Marketing Efforts

In most cases, people are looking for trendy venues that they can visit with friends or family. How do you make them aware of your nightclub and what it offers? One great technique is to send text messages as it gets the message out quickly, and you can reach a huge section of your target market. When you get a cash advance for business owners, you can also use the funds to post your events or offers on local pages or groups. This will help reach out to people in your locality and neighborhood. 

Social Media

Whether it is Facebook, Twitter, or Instagram, your nightclub needs to have an online presence. However, managing a social media strategy can be difficult unless you outsource it to a marketing specialist who can create and run campaigns on your behalf. 

To meet all these needs, simply apply for a merchant cash advance and use the funds to grow your business. Nightclub financing is quick, simple, and very convenient when compared to most other forms of funding. 

How to Get Over COVID-19 Business Blues

Has your business been in a slump since early 2020? You’re not alone. Businesses worldwide have seen a decline in sales and revenue due to lockdowns and additional protocols placed by the government. As an effect of this, customers reduced their spending budgets, which further reduced business income. As an entrepreneur, you may be facing unpaid bills and stagnant growth. Here’s what you can do about it.

Apply for Alternate Funding

Merchant cash advance lenders provide alternate financing solutions for small businesses to cover their operational and developmental needs. This is a huge welcome relief as you can receive a lumpsum payment directly into your bank account. They approve your advance if your business has regular receivables from which a small percentage is cut towards repayments.

Enjoy the Benefits of Extra Funds

Merchant cash advance financing can be used to fund different needs and requirements. For example, you can use it to expand or renovate your store, hire new staff, pay for electricity or rent, train your employees, fix or replace old equipment, buy new inventory, etc. You are free to use the funds as you see fit, without any restrictions.

Getting Started

How do you apply for a merchant cash advance for a small business? The process is very simple and quick. Once you fill out the online form, a consultant will contact you to discuss different funding solutions. After the terms are agreed upon, the funds will be transferred to you. If your business does well, you can repay the entire advance in a short period by making larger payments.

For more details, get in touch with a reputed merchant cash advance lender and give your business a new lease of life.

How To Secure Business Funding With A Less Than Average Credit Score?

Businesses – especially the small ones –see a lot of ups and downs; some of these downs could push credit scores into the red. Now we all know that a bad credit score doesn’t necessarily mean the business is not currently reliable or profitable. But bad credit scores take a long time to turn green again, and in the meantime, SME owners end up struggling to get crucial financing for their business operations and growth.

Thankfully, this traditional view of creditworthiness has been successfully challenged by alternative financing companies which have decoupled funding from FICO scores.

So, how can businesses with a bad credit score get funds from alt-fin companies? As one of the leading alt-fin companies in America, we tell you exactly what needs to be done!

Apply Online – Step one is to visit our website and fill out the online application. With this necessary information, we start processing your application, and our team will get in touch with you to take you through the details of your case.

Send Documentation – You will need to upload or send across some documentation. This is pretty basic and the approval process is not based solely on credit score, but takes into consideration a holistic approach towards your current business revenue.

Negotiations and Approval – Depending on the amount of cash your business needs and the health of your business, we will offer you industry-best rates and repayment terms. We are flexible with our funding offers and do our best to accommodate your interests and challenges. Once the terms are finalized, your application moves on to the next stage.

Transferring the Money – With the agreement completed and signed, we transfer the cash into your business bank account.

The process couldn’t be more straightforward! Alternative financing companies like ours have taken the sting out of the funding process; what used to be a long and sometimes fruitless effort is now made fast, fair and flexible. No long waits, no excessive paperwork, and most importantly, no rejections – we work hard to make sure you and your business have the money you need to keep working and keep growing.

At Crest Hill Capital, we are focused on serving the financial needs of the small business community of America by giving them fair and open access to money as and when they need it! Now you know who to call if you need funding for your business.

Dangers Of Having Low Capital Infusion Into Your Business

Whether you run a retail store selling designer apparel or high-end electronics, every business requires a good flow of funds for a variety of reasons. Not all business owners have a large business bank account to meet day to day bills or to keep aside funds for growth and expansion initiatives. However, with retail store financing, you can meet your needs without the stress of having to apply for funds through a bank. Let’s look at how your business could be affected by limited finance.

Low Inventory

Unless you seriously consider financing your retail store, you may not be able to keep your inventory stocked and updated. While you can predict high traffic seasons to a certain extent, your store should always stock popular items that fly off the shelves. If customers don’t find the products they need at your store, then they will visit other stores and you may lose their loyalty in the future.

Unhappy Staff

Retail store financing can help pay off employee payroll. This is one expense that should not be ignored. Unhappy staff could lead to lower sales as they will not be motivated to interact with customers and push your products. Similarly, getting a cash advance can also help you hire new staff, so your existing team does not feel overworked and pressured.

retail store financing
Retail Store Financing

Limited Reach

Apart from financing your retail store in a brick and mortar form, a cash advance can also be used to design and develop an e-commerce store. This will introduce your products to a wider audience and increase your revenue. With a virtual store, you can tap into new markets and demographics and even advertise specific products based on the season.

Don’t limit your business to your financial constraints. Get a merchant cash advance and take advantage of every business opportunity that comes your way.

Is Your Business Ready For The Upcoming Holiday Months?

All over the United States, businesses look forward to the holiday season so they can receive more orders, get higher sales, and make more revenue. Smart businesses usually plan much in advance so they can be prepared for the busy months. Applying for funds through a bank is one option, but small businesses find it difficult to meet all the criteria. Further, there are often delays in receiving the advance. However, there are alternate business funding companies that are willing and interested to work with small firms. Here’s how they can help.

business funding companies

Stock Up On Necessary Inventory

Being ready for the holiday season means ensuring that your inventory is ready to meet higher demands from consumers. Take a look at which items were in demand during the preceding years. This may give you an idea of products to stock as customers dislike empty aisles. With a merchant cash advance, you can order popular products and stock your shelves, so customers don’t have to go elsewhere to find what they need.

Invest In Marketing Activities

While you plan ahead, remember that your competitors are also doing the same. Therefore, as a small business owner, it would help to initiate a marketing campaign to reach out to prospective customers and inform them of deals, discounts, and offers that they can expect. You can use a cash advance to advertise in the newspaper, to hand to flyers, to dress up your window display, and even update the interior décor of your physical store. Capital funding for a small business comes in handy for all these purposes.

Business funding companies are ready to help you improve your customer service, makes repairs or improvement to your store, or replace critical equipment. They understand your business needs and will work with you to find a suitable financing solution.

Embracing The New Normal Requires More CASH, Which Is Why Restaurants Need Alternative Funding Sources

The COVID-19 era has massively changed the restaurant industry landscape. And as if the changes in customer behavior and safety regulations weren’t challenging enough, the restaurant owners were also forced to implement all these at a breakneck pace! The situation has stabilized quite a bit since March; clear regulations are in place, and restaurateurs are now no longer innovating on the spot. They now have clear ideas on how to open safely and serve the new customer demands that have emerged in the wake of the pandemic.

All this has, of course, been expensive! For business owners in the F&B sector, the lockdown and subsequent months had already drained cash reserves. To reopen their businesses, fresh capital was needed. Many turned to alternative funders like us! Alt-funders like Crest Hill Capital have been helping hundreds of restaurant owners get ready for the new normal with easy-to-access and easy-to-repay Merchant Cash Advances.

However, we are not finished yet! Restaurant owners who have only made minimal changes and investment need to understand that the pandemic will be around for a while, and there is no guarantee that newly acquired customer habits and behaviors will change back to the pre-COVID days. In fact, many experts suggest that the COVID-19 crisis will change how restaurants operate in the future.

Here are a few smart tips for your business to sustain and flourish in the year ahead:

You need to make sure your business is prepared. One way to do that would be to look beyond disinfection practices and masks and marry dining experience and safety permanently.

You could look at introducing a 360-degree contactless service – From digital menus to Robot-servers and contactless payments -there are many big and small technical interventions to keep your establishment COVID-proof and also elevate your restaurant’s dining experience in the long-run.

Remodeling interiors – Construction is costly and time-consuming, but putting in the investment now will help generate returns in future years. Permanent and well-thought-out structural and design changes will give your restaurant an up market feel – after all, plastic partitions and fine dining don’t really go together.

Invest in expanding the takeaway business – Many dine-in restaurants don’t go the takeaway route, but the pandemic taught us all the advantages of developing diversified business models. There are plenty of customers willing to pay for good meals sitting at home, and they are likely to stay indoors for the rest of the year, so do invest some money in fine-tuning your takeaway kitchen and delivery service to ensure you keep the cash flowing.

At Crest Hill Capital, we routinely work with business owners in the F&B sector, and we highly recommend you take a long view of your business investments. Many owners are concentrating on opening and surviving in the immediate future, but it shouldn’t stop you from planning for brighter years ahead.

If you are worried about funding these changes, then call us. We offer quick, easy and flexible cash advances to small business owners in your position and would be happy to support you and your business through this challenging period.