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What sets YourTownMall Business Advantage, Inc. apart from the competition.

You have probably already spoken to or been approached by a funding company explaining that they can buy your future Visa, MasterCard and Discover card sales at a discount. This is a great option for businesses that will use the funding to better their business.

But here's some important information to consider. At YourTownMall Business Advantage, Inc. we take a more helpful approach. We tell you the truth. The product is good but not for everyone. Yes we want to do business with you, but we don't want to hurt you. Here are some important considerations when choosing a funding company:

  1. Go with a reliable funding company because if you apply to a number of companies you will weaken your position greatly.
  2. Give full and complete disclosure. If you are up front with your issues or problems Sterling Funding will work with you to find a solution that will not negatively impact you.
  3. Make sure that you have a plan for the funds that will increase your business, whether it be expansion, renovation, advertising, or purchase of equipment.
  4. Consult with us (at no obligation) for a fair and accurate appraisal regarding both funding and processing issues. We do not sell for the sake of selling!

We Want To Grow Your Business

Don't think of YourTownMall’s Funding Partners as a lender – they buy future Visa, MasterCard and Discover card sales that will be made by your customers.

Here's how it works:

First, we determine your maximum funding amount – generally, we look at the average amount of card sales you've had in the last 6 months. We fund a minimum of $10,000 up to a maximum of $100,000, depending upon your average monthly sales and the strength of your business.

Once you've received your funding, up automatic payments are from your daily card sales. Payment is automatic, with a deduction from the daily amount of your deposit. The deduction is a small portion of your daily card sales deposits.


Sterling Funding

Is this a loan?

YourTownMall Business Advantage, Inc. Partners is NOT a lender. They buy a percentage of your future card sales, commonly referred to in our industry as "future receivables."

Let's look at an example: If YourTownMall Business Advantage, Inc. buys future Visa, MasterCard and Discover card sales from Acme Auto Supply, after the funding is received by the merchant, they will gradually deduct scheduled payments from XYZ's card sales. There are no monthly billing statements, no invoices, and no payment coupons for XYZ to review, and no checks for Acme to write – the payment happens automatically.

What is the maximum funding amount?

Our partners minimum funding amount is $10,000 and the maximum amount is $100,000. The amount YourTownMall will fund for your business depends upon the average monthly card sales for your business, as well as the strength and creditworthiness of your business.

How much of my daily card sales does YourTownMall Business Advantage, Inc. deduct?

Once the purchase price, total amount to be purchased, and estimated payment period have been determined, YourTownMall calculates a daily payment amount required for the amount of Visa and MasterCard and Discover receivables sold. After your business is funded, automatic, small deductions are made from your daily card sales.

I've been turned down for a loan by my bank, will YourTownMall be able to help me?

Unlike banks, YourTownMall Partners are not a "traditional" financial institution lender. Our partners are often able to enter into a receivables purchase transaction for businesses that banks would not lend to. YourTownMall Partners are more flexible than banks in terms of the types of business it will work with, the purpose for which the funds will be used, and in some cases, the credit history of the business and the owners of the business.

There are some problems with my credit, can I still get help from YourTownMall?

Unlike banks, YourTownMall Partners have greater flexibility when it comes to reviewing past credit experience. We do not enter into transactions with merchants who are currently (or about to become) involved in bankruptcy proceedings. But, credit problems in the past can typically be overcome by a demonstration of current business strength accompanied by a strong likelihood of continued good business trends.

Are my business plans too unusual for YourTownMall?

Again, unlike banks, YourTownMall does not have a "fixed" notion concerning how you will use your funding proceeds. Generally, we work hard to understand the underlying business plan and the unique features of each business. If your plans make good business sense, it's entirely possible that we will be able to fund them.

What happens if my sales slow down or speed up after funding occurs?

At the time funding occurs, we schedule a deduction from your daily Visa and MasterCard sales that is calculated as a percent of daily transactions. The percent is fixed, the amount of the payment is not. Generally, therefore, when sales slow, the dollar amount of the deduction is reduced, while when sales increase, the dollar amount of the deduction is increased.

Is this a one time only program?

YourTownMall Business Advantage, Inc. is pleased to provide repeat transactions with our merchants. Our experience has demonstrated that when the growth triggered by one working capital transaction occurs, the strategy of your business may change, triggering a new need for working capital. Growing your business is our business.