1. How does it work?
Vista Advance offers cash advance services in exchange for a percentage of incoming credit card receivables. We rely on relationships with established financial institutions to offer your business a full line of related financial solutions including check clearing and credit card payment services.

2. Will I qualify?
Approximately 80% of applicants qualify for our services. If you have been in business for over a year and have proven credit card receivables we may be able to approve your application over the phone.

3. How can I use the cash?
The cash advance you receive may be used for any business purpose.

4. How much will I qualify for?
The amount of working capital that will be made available to you is calculated based on your monthly receivables. If your business currently has $10,000 in receivables per month we can offer you between $12,000 to $20,000 of working capital. Once you complete the online application, you will receive a free, no-obligation quote within 24 hours.

5. How much does it cost to apply?
There are no up-front fees and we do not charge for "out of pocket" expenses such as; credit reports, D&B reports, overnight mailing costs, etc.

6. How much does it cost my business?
Several factors influence the size and cost of the cash advance you receive including; business size, industry, processing history, volume, ticket size, and various other factors. You pay us a small percentage of your incoming credit card receivables.

7. How soon will I receive the cash advance?
Most businesses receive funding within 3 days of approval, although in case of urgent need, 24-hour funding is available.

8. Do I receive a discount if I pay early?
This is not a loan and therefore there is no prepayment penalty, no fixed payment schedule, no maturity dates, and no minimum monthly payments. You can settle the advance at any time, by paying the remaining balance in full.

9. Will I receive the same low rates as my credit card processor?
We offer an industry competitive credit-card processing rate.

10. Will bad credit affect my request?
Cash Advance is not based solely on your credit score. It is not necessary for you to have good to excellent credit to receive an advance for your business.

11. Will I be able to monitor my account activity?
Our customer services representatives are available during regular business hours to answer any questions you may have about your account.

12. What if I already have a business loan?
We want to help you expand your business. If you qualify for funding you may even use the cash to pay your existing business loan.

13. Do I have to provide a personal guarantee?