Bravertek specializes in helping small business owners with bad credit get business loans and unsecured funding. Banks have very stringent standards and high documentation requirements, Bravertek does not. Bravertek simply takes a look at how much revenue your business produces on a monthly basis and we determine a reasonable re-payment plan that you can afford. With our network of over one hundred lenders and advance providers we have a 90% application approval rate.
We ask that you provide your most recent business bank statements and a one page application. We can get your business approved for up to two million dollars in less than one day. Our advances are completely unsecured with no collateral requirements, just your signature. Our business funding program has no minimum FICO credit score to qualify. Contact us today to discuss the details and get a free no obligation business funding quote.
As an independent business loan broker you will have the ability to help your business clientele obtain unsecured working capital and earn a commission. We lend to businesses in the USA, Canada and Puerto Rico. Our business loan programs are privately funded, so we don't have to deal with the strict requirements of traditional banks.
90% of applications are approved and funded within three days upon receipt of the initial application paperwork. Commission payouts are always paid immediately via direct deposit. Our business loan broker program has no minimum production quota.
With no minimum FICO score requirement we approve business loan applicants with poor or bad credit. We look at a businesses monthly receivables to determine if the business has the ability to repay. Unlike the big banks, we work with all business owners to help them obtain the financing they need to grow their business. Loan amounts range from 5,000 to 2,000,000!
Contact us today to discuss becoming a business loan broker!
Large Commercial Real Estate Loans are now available in Puerto Rico. Hospitality (Hotels), Multi-Family, Retail, Malls, Industrial, Office and Special-Purpose. Loan requests from $10 million to more than $250 million and a myriad of options for flexible loan structures. Financing executions provided include:
Searching for good cloud hosting and business collaboration software solutions is not easy. Various options exist, all at different price points, all having some pros and some cons. Should you store your data in the cloud? Should you store your data in remote server? How do you keep information secure yet easily accessible to employees and contractors? These are the questions being posed to business owners of all sizes. With data security measures being ramped up at the largest corporations around the world it is a wise choice for small and medium sized business to follow suit.
Google has answered the call from business owners who need a scaled solutions for all aspects of business management. Google Apps For Work is easy to use and cost effective for organizations of all sizes. At only $5 per month per user with no additional setup fees and 24/7 customer support is by far the most cost effective solution in the industry when you add up all the services Google offers.
Click Here for more information on Google Apps For Work.
Medical marijuana dispensary merchant account and credit card processing services are now available! If you are operating a registered marijuana dispensary with an established bank account you may qualify for a merchant account. By offering patients the ability to pay with their credit card you will gain a loyal following and customer base. Not all medical marijuana dispensaries accept credit card payments and they are losing sales every day because of it. Contact us today or complete a merchant account quote request to see if your dispensary qualifies for credit card processing services. Services also available for mobile dispensaries.
China-UnionPay recently launched Shop The World which gives foreign merchants access to the Chinese eCommerce consumer market. UnionPay has partnered with a select few payment processors in the United States to facilitate payments from US based merchants who are looking to sell their products in the Chinese market. The Chinese consumer market is the largest and fastest growing in the entire world. In addition, UnionPay is the most widely issued card type in the world and almost all Chinese citizens have one. UnionPay is owned and operated by the Chinese government and they keep tight restrictions on foreign sellers by making all sales route through http://haigou.unionpay.com/ (Shop The World). Even with the restrictions placed on foreign sellers this new opportunity from UnionPay to access the Chinese online payments market is groundbreaking and many major US businesses have jumped at the opportunity. Bravertek specializes in UnionPay acceptance services. To learn more contact us today.
Small business loans are now available in Puerto Rico. Attractive rate and term for established brick and mortar businesses. To qualify your retail business or restaurant must have a minimum of one year in operation. Loan amounts range from 5,000 to 500,000 (USD). A minimum of 5,000 per month in total sales is required. You must also accept credit card payments at your place of business. Bad credit is OK! Fast funding usually within three business days upon receipt of application documents. Contact us for more information about business loans available in Puerto Rico.
As most people use a smartphone in day to day life mobile payment companies and technologies seem to be springing up faster than ever before. We have counted over five hundred different mobile payment technologies developed last year in just the United States and Canada. And these are not all of the technologies that are available, many more are being developed and released every day. The widely popularized SquareUp seems to have launched a revolution in the mobile payments market through it's innovative technologies and design concept. Although, we are still waiting to see who the winner will be.
Medical professionals often use short term business loans and working capital for acquisition, construction, expansion, improvements and new equipment purchases. Working with lenders can be stressful and time consuming. Finding the lowest rate is difficult with so many companies and programs to choose from.
Bravertek has simplified the process of healthcare business loans and working capital acquisition. As a leader in the business funding industry Bravertek works with a vast network of direct lenders throughout the U.S. and Canada. With our simple one page application you will get several quotes from direct lenders. You will be assigned a personal representative to thoroughly explain and help you through the entire process.
Our healthcare business loan program works great for...
Contact us today or click below for more information on our business funding programs.
AMEX and Airbnb have entered into an agreement and integration process that will enable AMEX card holders in the U.S. to purchase Airbnb stays by using an integrated payments system. This will make the process seamless for AMEX card holders that want to use Airbnb. AMEX card holders will be prompted to create an account within their existing AMEX online account access and easily authorize payments to over 2 million Airbnb listings around the world.
A third party high risk high risk merchant account is comprised of many businesses sharing a master merchant account. Startup businesses with no previous sales and industries that are considered restricted or to high risk for traditional providers may be good candidates for a third party high risk merchant account.
Third party merchant accounts are more expensive with rates varying around 9% and they are less reliable than a direct merchant account. Additionally, payouts may only come weekly and the provider is usually based in a foreign country. Although, a third party merchant account may be the only option for some businesses to obtain payment processing services.
If you have been turned down or labeled high risk by other credit card processors it may be a good time to look into what a third party merchant account service can do for your business.
EMV Chip credit cards are becoming the standard among consumers and now is the time for all businesses to upgrade POS technology in order to accept them or risk major liability and fraud charges. It is now mandatory for all business owners to accept chip cards, this includes mobile business owners who are used to relying on the ease and convenience of audio jack card readers like Square. Unfortunately, many mobile credit card processors have not upgraded equipment in order to meet this demand and many business owners are searching for a cost effective alternative. We recommend PayAnywhere! In addition to being one of the largest mobile credit card processing programs the audio jack card readers are now available in the Apple Store.
Purchasing an EMV chip card enabled credit card machine is something to consider very strongly if you are a business owner. October 1st 2015 is the deadline for most small businesses to have a chip card EMV terminal or they will be help liable for any and all damages due to to fraud if it takes place at their business. Bravertek has made it easy to upgrade your equipment to the latest secure EMV chip card technology. We offer a FREE chip card terminal or tablet POS along with no contract... In addition, our rates and fees are the lowest in the industry! To learn more please contact us today... We are happy to help!
So you have chosen WooCommerce and now you need a merchant account and payment gateway to accept credit card payments. Setting up a merchant account that integrates with your WooCommerce online store is very simple. We are experts in eCommerce merchant account processing and have all the tools you need to successfully open an online store. Simply apply for a merchant account and receive a free Authorize.net setup. Authorize.net is the most widely used gateway that bridges your merchant account processor with your WooCommerce store. If you need to speak with someone to answer any questions please feel free to contact us any time.
When opening a merchant account it is important to understand the fees charged by credit card processors. It is also important to know the difference between a normal fee and a junk fee. Many credit card processing companies bury hidden fees and minimums in merchant agreements. We will teach you how to identify these fees and successfully obtain a low rate merchant account.
First, let's go over some normal acceptable fees...
When you total all fees charged on a standard merchant account you should be able to compute your effective annual credit card processing rate to less than 3%. If you total up all your merchant account fees over a one year period and you effectively are paying more than 3% you should look into other processors.
Now let's go over some popular junk fees...
Many unscrupulous credit card processors will attempt to add these fees buried deep into merchant agreements. Another tactic used by these companies is to have you sign a blank application with fees left blank. It is important to stay wary of all fees that your credit card processor is charging you.
If you need help understanding your merchant account agreement please contact us today and we may be able to help you understand and reduce your current credit card processing fees. We are industry experts with years of experience in the merchant account processing field. We offer award winning customer support and have helped thousands of business owners obtain a low cost merchant account.
Lately we have been hearing many good things about ShopKeep. It appears that ShopKeep is one of the leading tablet POS systems available to restaurants and retail establishments. Merchants interviewed have told us that ShopKeep provides a solid POS interface that breaks down to detailed reporting while also being very easy to use for employees.
Business owners these days need inventory managment solutions that are fit for the modern storefront. ShopKeep is also compatible with many credit card processors. This makes it very easy to keep your existing merchant account relationship while utilizing the ShopKeep POS technology and not have to pay astronomical fixed processing charges.
In conclusion, we recommend ShopKeep to our clients who are interested in a tablet point of sale system but still need the functionality and reporting capabilities compared to a traditional PC based point of sale system.
Finding a payment processor for your business may be trickier than you think. When most credit card processing companies talk about the ease of payment acceptance and helping small business they fail to mention that many industries are not acceptable and considered high risk. Most small businesses either close or simply choose not to accept credit card payments if the major credit card processing providers decline their initial application. If you have found yourself in this position it may be time to start seeking out a high risk credit card processor. High risk credit card processors do not advertise as aggressively as mainstream payment providers do and in most cases the rate is slightly higher. You must seek these providers out on your own or use a trusted consultant to negotiate on your behalf if you are not familiar with the process. Some high risk industries include...
Bravertek specializes in working with high risk industries and we provide credit card processing (retail & eCommerce), Gateway Setup, Mobile & Smartphone processing solutions. If you have been declined or turned down by other payment processors give Bravertek a call!
U.S. Gas stations have until October 2017 to begin accepting EMV chip cards. If they do not upgrade they face a drastic increase in fraud liability. Although, most gas station owners are choosing to implement their own fraud prevention which my be a huge mistake. WEX has taken the role of encouraging gas station owners to upgrade their fuel pump payment terminals although efforts have been futile. The problem being that the major fuel companies have been selling individual stations to private owners, choosing to reduce risk by moving to the franchise business model. These individual owners are not yet sold on why EMV is such an importance to their business. The upgrade cost for making pumps EMV compliant is roughly $10,000 USD per pump. This is an expense most small gas station owners are not willing to take unless they see a real reason to do so. Sadly, some gas station owners will not upgrade and will be hit with fraud liability charges and the lesson will be learned. If you own a gas station and are not planning on making this upgrade to your gas pump terminals you had better think twice! With 30 million Americans paying at the pump each day you must assume that this will be a magnet for fraud once the deadline has passed. Gas pumps have been common targets in the past by fraudsters due to the fact that the terminal is outside and usually left unattended.
Credit card fraud is shifting rapidly to the eCommerce elements of US top credit card processing companies are reporting. This is due to the rapid shift in POS technology to be EMV and chip card compliant. This technology greatly reduces the amount of fraud at the point of sale. In the past criminals were able to easily skim card holder data but this is not the case any longer now that EMV has been introduced to the US market. Therefore, fraud has now taken a major shift to the rapid growing eCommerce segment of US credit card processing services.
Getting a restaurant business loan is simple with Bravertek. We work with various direct lenders to help you find a loan or cash advance provider that is right for your growing restaurant business. Whether you are a start up restaurant or established restaurant we have many loan options available. In most cases we can get your restaurant business loan or cash advance funded within one week of receiving your application!
We work with all types of restaurant businesses to obtain financing for new equipment and unexpected bills. Use the money for any purpose... Got bad credit? No problem! Bravertek will find a lender or cash advance provider for your restaurant.
The credit card processing industry offers a very lucrative sales opportunity for independent sales agents and independent sales offices looking to resell merchant account services and credit card processing equipment. Finding the right credit card processor to refer your merchant customers to can be very difficult! You want to make sure your merchant referrals are provided the most up to date solutions available for their business.
Additionally, finding a reputable organization that pays a high commission split and offers a sign-up bonus can be a challenging decision for any agent or sales office looking to break into the credit card processing business. You should also make sure that you are provided with the proper training, online reporting, data entry tools and marketing materials so you can effectively build your merchant account portfolio.
Bravertek specializes in ISO (Independent Sales Office) and ISA (Independent Sales Agent) recruitment. We offer a direct lifetime agreement through our processing partners. You will be in total control of pricing and rate quoting your merchant account referrals, giving you the control of your own business. We are also here to support you with any questions or concerns you may have throughout the sales process. From beginners to registered sales offices we have a program for you. In addition, you will have access to a large network of traditional merchant account service providers as well as high risk non-traditional providers.
In a recent study it was shown that most retailers in 2015 will be looking for a Point of Sale system that tracks all customer data, not just process payments. Retailers are looking for ways to use POS Systems in more unconventional ways such as e-commerce, social media marketing amongst many other things. Most POS systems are currently outdated and are not compliant with PCI, EMV or NFC applications. 2015 is poised to be a year of huge changes for retailers and POS suppliers, the game has changed and it will help business owners have a control and insight over their business that they never have had before.
How POS adoption trends are shifting:
“There are certainly some retail segments lagging in the adoption of POS solutions," said Janna Finch of Software Advice, a retail technology review firm. "For instance, about two-thirds of consignment retailers, use manual methods, or nothing at all to track data. However, as a group, 47 percent of small and mid-sized retailers are currently using POS software--and many want to upgrade to a new system with more advanced functionality. In 2014, retailers wanted POS systems to do a lot more than simply process transactions; they also want additional integrations with applications that automate more time-consuming tasks, like inventory tracking, and we expect this trend continue in 2015."
Implications from the rise of "Consumerization of Retail"
"The impact that the ‘consumerization of retail’ trend has had on SMBs is evident in this report. In 2013, customer-centric features like support for loyalty programs and multiple payment types (e.g., PayPal and digital currency) didn't crack the list of most-requested functionality. This year, a greater number of POS buyers are specifically looking for POS systems that support these, and also customer relationship management and e-commerce tasks. POS systems are transforming into customer data hubs with information retailers can leverage to personalize customer communications, track inventory in real-time, predict behavior and be where their customers are, whether in the store, online, or on mobile.
Q&A with Janna Finch of SoftwareAdvice.com:
Are there any particular sectors within the retail industry that seem slow to implement POS software?
“There are certainly some retail segments lagging in the adoption of POS solutions," said Janna Finch of Software Advice, a firm that reviews retail technology. "For instance, about two-thirds of consignment retailers, use manual methods, or nothing at all to track data."
Is this a common trend throughout all of small businesses?
"I wouldn't go that far. As a group, 47 percent of small and mid-sized retailers are currently using POS software--and many want to upgrade to a new system with more advanced functionality."
Was there an overall 2014 trend you saw in POS demand?
"In 2014, retailers wanted POS systems to do a lot more than simply process transactions; they also want additional integrations with applications that automate more time-consuming tasks, like inventory tracking, and we expect this trend continue in 2015."
Your report dives into the rise of "Consumerization of Retail." What are the implications of this?
"The impact that the ‘consumerization of retail’ trend has had on SMBs is quite evident. In 2013, customer-centric features like support for loyalty programs and multiple payment types (e.g., PayPal and digital currency) didn't crack the list of most-requested functionality. This year, a greater number of POS buyers are specifically looking for POS systems that support these, and also customer relationship management and e-commerce tasks. POS systems are seeming to transform into something like a customer data hub. This gives information to retailers that they can leverage in order to personalize customer communications, track inventory in real-time, predict behavior and be where their customers are, whether in the store, online, or on mobile."
For a full report created by www.SoftwareAdvice.com go to http://www.slideshare.net/SoftwareAdvice/point-of-sale-software-report-2014
If you sell eCigs or Vapor Products you know how hard it is to obtain a merchant account to accept and process credit card payments for your business. If you have an internet eCommerce storefront only it may be even more difficult to find a provider. You must also be wary of payment processors who charge high rates and service fees. It is imperative that you find a low cost and reputable merchant account provider.
Vapor and E-Cigarette businesses are searching desperately to find a merchant account solution to process credit card payments at a reasonable rate...
Bravertek specializes in helping eCig and Vapor Products get approved for low rate merchant account processing. We work with both online and retail businesses! Our agents are trained to handle your specific needs and answer all of your questions. Bravertek has made special arrangements with our processing partners to provide a low cost payment gateway and/or point of sale machine to necessitate the needs of your growing business. Even if you have been turned down by other providers for any reason there is still a very good chance Bravertek can help you get your merchant account approved.
Contact us today to discuss a program that is right for your business. Most applications are approved within 24 hours.
When choosing a credit card terminal for your small business you have a lot to consider. Do you want to go with a regular credit card machine or a full scale point of sale system? Do you want to accept PIN debit or not? Most business owners these days are choosing to go with a standard credit card terminal and accept PIN debit because of the reduced cost.
If you own a small business you should be aware that many companies will try and overprice credit card machines or merchant account agreements with an equipment lease or high customer service charges. An equipment lease is only necessary if you cannot afford the face value of the equipment or the provider is not offering a free placement option. A customer service fee should usually never exceed $10 for any retail business.
It is also important to consider if your equipment is compliant with the latest PCI standards. It is important that you work with a company that has specialized in credit card processing services for years and understands the needs of small business owners. Your credit card machine should be able to accept near field communication RFID signal along the EMV chip card payments. This is all in addition to the regular mag stripe and PIN debit payments we have all become accustomed to.
Bravertek can help you find a credit card machine or Point of Sale System that is right for your business. Contact us today for a quote or click here to view our preferred credit card machines!