If you were to glance at the endless magazine covers adoring the stands of your local grocery store, you would probably learn that bright colors are all the rage this year, wearing ill-fitting clothing is a fashion no-no and 1980s style is making a huge come-back, all before you grab your items, take your receipt and walk out the door.

But a new trend is emerging in the small business industry, specifically the retail/service-oriented sector that you will not find gracing the the cover of Glamour or Elle. For small business owners, the merchant loan is this season's must-have.

1. Minimal Requirements

One thing that almost everybody wants more of is money. But how does one go about getting that money? Banks require small business owners to have impeccable credit, an excess of collateral and a long business history before they will lend any money.

For merchant loan eligibility, we only require that an applicant has owned his/her business for at least six months and processes a minimum of $5,000 in monthly credit card sales, amongst a few other minimal and easy-to-meet requirements.

A small business owner who qualifies can have up to $500,000 wired into the account of his/her choice to be used however he/she sees fits for the business.

2. Flexible Repayments

Say goodbye to stressing to remember to make monthly loan payments and to being penalized for early and/or late repayments. And say hello to a flexible repayment method that goes with the flow of your business's sales and allows you to optimize your customer's credit card purchases.

Once we advance you up to $500,000 for your business, whenever a customer pays for a product or service of yours using a credit card, a small percentage of that sale goes towards repaying your merchant loan. This process allows repayment amounts to decrease when your business's sales decrease, so your business is not hurt. We estimate that it will take 6 to 8 months for your merchant loan to be repaid, but should your loan be repaid sooner, or later than the estimated period, there are no penalties.

3. Renewable Funds

A merchant loan is not just a one-time thing for small business owners in need. It is a source of readily accessible funds for merchants. Those who choose to, can renew their merchant loans approximately every three to four months, without having to complete any additional applications.