How to get an MCA Merchant Cash Advance after a default

Did your business default on an mca merchant cash advances in the past? If your business wants to get a cash advance again, consider new program options here.

Some businesses that have defaulted on one or several mca cash advances in the past decide they want to get advances again because they now understand the amounts and daily payments they can handle and make.  Programs are also available for businesses that have missed cash advance payments, or have had delinquent or lapsed  payments.

If your business wants mca merchant cash advance funding after a previous nonpayment, several new programs and options are available. Complete the 30 second application below.
Secure DocuSign 30 Second Application here Call us at Tel:  1-919-771-4177, or Question? Contact us here.

How to get another MCA Merchant Cash Advance after a default

Step 1: Research companies online that offer merchant cash advances to businesses that have a previous default on an mca cash advance. Closely review restrictions for terms and conditions of approval.

Step 2: TIP – Repayment of a previously defaulted merchant cash advance as well as the amount of time since the default may affect your ability to be approved under different programs. Ask if there is a minimum time requirement since the cash advance default.  Know the month and year your business first officially defaulted and the amount of the default. Default reporting drags on time wise in business and personal credit reports and makes it look like the default was much more recent than the original date the merchant cash advance company declared a default. Any payments you made on the default often do not appear on the business and personal credit reports a lender looks at and you will not get credit for any payments made. Provide documentation of the payments made.

Step 3:  Select the programs that your business will most likely qualify for.

Select the programs that your business will most likely qualify for.
Decide on the programs that your business will most likely get an offer from.

Step 4: Make contact with these lenders that fund with previous defaults. Try to verify how likely your business is to meeting the funding program conditions and requirements.

Make contact with these default lenders that fund with previous defaults.
Contact mca default lenders. Apply here to begin.

Step 5: Submit an application for funding. Provide all documentation you have that improves your chance for an approval. Provide documentation that proves the time since the default and if any payments were made.

Submit an application for funding.
Apply and provide any documentation that show how long it has been since your business originally defaulted on the mca merchant cash advance.

Step 6: If approved, review terms and conditions. Rates and terms will not be as favorable for some time on your advances after defaulting.

Small Business Loans Depot
Small Business Loans Depot
Alternative funding for businesses
Small Business Loans Depot

FAQ Frequently asked Questions on getting an mca merchant cash advance after defaulting

Why will most cash advance companies not fund me after a merchant cash advance default?
If your default was within the last two years, almost all cash advance companies believe your chances of going past due again are too high. Lenders want to see an extended period of time after a default before giving your business funds again. That often is two years. A few programs will consider funding again after approximately six months. The amount of time may be shorter based on your businesses situation.   Does your business generates over $50000 per month in revenue?   Then it will be more likely to get another cash advance sooner after a default.
Can I get a merchant cash advance after a default?
Yes. In about 6 months after a default your business may be considered for another cash advance and other types of financing. Approval depends on how well your business has recovered and also how much revenue it now has per month.
How long after a default can I get another cash advance?
Your business can be considered for another cash advance and other funding types 6 months after a default.  Keep good records and documentation on the exact time you were formally declared a default by the previous cash advance company.
How do I know if I defaulted on a cash advance in the past?
You should have received correspondence through the mail or email or by telephone that your delinquent cash advance was declared a default.
What if I did not repay any of the the defaulted cash advance?
It may be easier to get another cash advance if you repaid or settled the defaulted cash advance. This is because future lenders would rather know that your business made an effort to repay some of the advance or tried to reach a settlement to pay a lower amount to try to satisfy the debt.
Can I get more if I repaid the merchant cash advance that I defaulted on?
The dollar amount of a future advance after a default depends more on your current revenues and situation rather than if you repaid the merchant advance you defaulted on.  Partially or fully repaying a cash advance after a default will  play a bigger role on whether you will be approved or declined.
I defaulted on more than 1 cash advance. Can I still get another mca cash advance?
Yes. You may still be able to qualify for a new advance. Approval depends a lot on how many advances you had as well as how long it has been and the total amount you defaulted on.
Does it matter how much the amount of the defaults were?
The amounts of the defaults do matter and will be looked at along with other things such as how much revenue your business is making now.
I am still in collections on my old merchant cash advances. Can we still be approved for funding?
Yes, your business still has a chance to qualify for more funding. Provide the details of the collection activities and they will be reviewed.
I am still negotiating with attorneys on my previous defaults. Can I still qualify for a new advance?
Your business may still qualify for a new advance if you are still negotiation on your previous defaults. Collections and negotiations on old defaults and non payments can go on for months or years. Any repayment or settlement will be looked at along with how much time has gone by since the original default.

How to get the best merchant cash advance renewal terms

Get excellent merchant cash advance renewal terms your business will qualify for.

Get terms as long as 12, 16, and 18 months and lower rates.  In some cases, 24 months and low rate factors.

How to get the best merchant cash advance renewal terms, lower rates and longer terms.  How to Direction:

  1. Step 1 Talk with a representative at your current mca company.  Give them your most recent three months business checking account statements and ask them to review your file in advance of their underwriting reviewing your request.
  2. Step 2 Ask the representative to estimate the renewal amount, the number of months and rates.  Ask for a better rate on a renewal.
    How to Tip: If a renewal offer is made, ask for  at least a 2% lower rate on each renewal.   Some cash advance companies will not pre-review your file.  If they won’t,  let underwriting process your file.
  3. Step 3 Tell your current cash advance company that you are shopping for a better offer and are comparing their offer to others.
  4. Step 4 Apply with one or two competitors. If they beat your current mca cash advance companies rate and terms, take their approval offer and ask your current cash advance company to beat that offer.   Review the funding stipulations to make sure you can provide everything needed to close.
  5. Step 5 Decide on the best of the offer terms, complete the transaction and receive funding.

Complete the secure DocuSign here Secure DocuSign 30 Second Application here
Call us at Tel:  1-919-771-4177, or Question? 

What are renewal options ?
Get a mca merchant cash advance or business loan with the best and longest renewal terms of up to 18 months.
Get a better and less expensive cash advance renewal.   Also available are  large business loans,   bank statement loans, loans against equipment, asset based loans and other options such as paying off your mca merchant cash advances.
Click and apply above now to get your longest merchant cash advance renewal terms.

How to get the best cash advance renewal terms
What can you do to get the best cash advance renewal terms possible? Follow these tips.

People also ask, F.A.Q.’s frequently asked questions and comments.

Why is my renewal not longer than before?

In most cases, the cash advance renewal term will be the same as the one you originally took out. You must ask for a longer term.
If you have had a good pay history or your credit score has gone up, then the funder may give you a longer term on a renewal, but only if you request it.
Do not expect the funder to offer you longer terms on their own. MCA Companies want to put you in the shortest term possible and the shortest term you will accept.
Many businesses believe that if they had an excellent repayment history on their first cash advance, then they should get a much longer term and much better rates on all renewals.    Your business may qualify for a longer term on a renewal.  Request that immediately when you request the renewal.

What if my company’s situation has gotten worse since I took out the advance? Should I even apply for a renewal of my cash advance?

Contact your representative before you apply for a renewal and ask them, “what would prevent my company from getting another cash advance renewal?”
Listen to what the Representative says. Ask him what are the most common reasons companies are declined for a renewal. If he does not mention decline reasons that your company has, then you have already gone through a partial pre-review.

What can I do myself to get a better offer for my mca cash advance renewal?

  1. Review your most recent 3 months business checking account statements yourself.
  2. Compare the average monthly deposits, average daily balance, if you had any NSF Overdraft activity with the same numbers on the statements you provided when you received your first advance.
  3. If the numbers are better than they were when you received your first advance and your credit is the same or better, then you have a good chance to  qualify to get a better renewal offer from your current mca cash advance company, or a competitor.

Make a list of this specific information.   Discuss it in advance of applying with all cash advance companies you want to talk to. You may be able to either pre-approve yourself or pre-decline yourself before applying. It is better to know you will likely be declined before applying, rather than applying and being declined.

If the cash advance company is not willing to seriously pre-review your file, you can choose to apply anyway.   Your goal is to get as many cash advance companies to pre-assess your file as possible.   Do not demand they do in order to apply.   If you demand that the cash advance company pre-reviews your file, you may be eliminating yourself from the best option available.

How to lower daily mca merchant cash advance payments

Do you need to lower daily mca merchant cash advance payments immediately?  Is your account overdrawn because the mca companies keep debiting the daily payment?   What can you do?   Apply for one of several options below that do not involve settlements, closing your bank account, being declared in default, nor having a cash advance company file a coj certificate of judgement against you.

How to lower daily mca merchant cash advance payments

Secure DocuSign 30 Second application here.
Or call us at Tel:  1-919-771-4177, or Question? Tell us what do you want to do?

How to lower your daily mca merchant cash advance payments.

  1. Step 1  Negotiate with the mca merchant cash companies to extend the term and lower the payments.     Offer to pay a lower amount for a longer amount of time.
  2. Step 2  Give the cash advance company solid reasons why you cannot pay the current daily advances.
  3. Step 3  Get an alternative loan or consolidation loan to payoff the advances.
  4. Step 4  Use the equity in assets such as a real estate loan or loan against equipment to payoff the advances.
How to lower daily mca merchant cash advance payments
Get lower daily payments now without adverse action against you or your business.

People also ask, FAQ, Frequently asked Questions

Can I get a monthly payment loan to pay these off?

Yes. One of the ways to lower your daily mca merchant cash advance payments is to get an alternative loan to pay off the mca cash advances. By doing so, you will be lowering the payment because your monthly payment on the loan to pay off the mca’s will be much lower than the monthly amount you were paying on the daily cash advances.
Usually, you will be paying 50% to 75% less if you are successful in securing a monthly loan to pay the mca’s off.

What if the cash advance companies do not want to lower the payments?

You may have to push hard to get a concession. If your business had a true hardship, such as a hurricane or another type of hardship, make that known.
If that fails, read the mca merchant cash advance contract in detail.
Make sure you know exactly what can happen if you do not pay. It may be advisable to seek legal advice through an attorney if you know you cannot repay the advances.
If you know in advance your business will not be able to repay the advances, you can use the time in advance to:
– Determine what your options are
– Know what actions you can legally take

I cannot pay my advance. What can I do?

Check your state laws to find out if your state has special protections and laws. Some laws vary by state. Negotiate with the cash advance company either directly final options may include bankruptcy.

Should I get my Attorney to contact the mca merchant cash advance companies?

Whether you should get an Attorney involved in talking with the cash advance companies varies on a case by case basis. In some cases, having your Attorney contact and negotiate with the cash advance companies is a good idea.
If you are offering to work with the merchant cash advance companies and they are not working with you, this may be a good situation in which your attorney contacts them.
Some mca merchant cash advance companies are more willing to work with customers than others.
If you do not feel comfortable negotiating or discussing your past due debt with mca merchant advance companies, this may be another reason to involve an Attorney.

How to get an mca merchant cash advance with lower rates

Follow steps below.  How to get an mca merchant cash advance with lower rates:

  1. Contact merchant cash advance companies that offer programs with lower rates that match your business profile.
  2. Get the rates and terms available from each program.
  3. Ask in advance if your business profile matches the lower rate programs available.   If so, select the best match and apply.
  4. When approved, review closing contracts and complete the transaction.
  5. Receive funds deposited into your business checking account and begin a lower repayment.

Click on the 30 second application to get your mca merchant cash advance with lower rates and better terms.
Complete the secure DocuSign 30 Second Application now
Or call us at Tel:  1-919-771-4177, or Question? Ask here

F.A.Q.’s, Frequently asked questions, comments and requests.

“Need an mca merchant cash advance renewal with better rates”.
Also frequently requested:
“I want an mca merchant cash advance renewal with lower rates and better terms.”
Answer:  Your business can get an mca merchant cash advance renewal with lower rates and longer terms by choosing one of several programs available here.
The same programs also offer mca merchant cash advance renewals with rates as low as 12% to 15% and up rate factors and longer terms if your business qualifies.
Click above to complete 15 second request form.

How to get an mca merchant cash advance with lower rates.
Steps to get a cash advance with lower rates. Stop paying the highest rates for an mca cash advance.

How low of a rate can I get?

The lowest rates Start at approximately 8% to 12% rate factor for the best credit, longest time in business and strongest cash flow. For most businesses, rates in the low teens and higher are the lowest rates for merchant cash advances.

My mca merchant cash advance rate is super high. How can I lower my rate right immediately?   I need to get a lower payment today or by the end of the week.

Lower your mca merchant cash advance rate right now by paying it off with a lower rate advance. Use the funds from your lower rate advance to payoff the remaining balance on your new advance. This works especially well when the balance of your existing advance is low.

Can I get a line of credit  mca merchant cash advance?

There are some merchant cash advances that are similar to and work like a line of credit. Your business can borrow, repay, and re-borrow over and over. With these programs, your business can repay before the financing is paid off. By repaying before your balance is $0 (zero), you are able to use the product like a business line of credit.

Can we get a business loan instead of an mca merchant cash advance?

Yes, for many program options, your business can get a business loan instead of an mca merchant cash advance. Business loans will require a higher personal credit bureau score, usually around 575 to 600 or higher. A regular business loan may also require a longer time in business of longer than 1 year or longer than 2 years.

I want a business loan instead of a merchant cash advance.   How can I get a business loan instead of a merchant cash advance?

Yes, your business can get a business loan instead of a merchant cash advance if you qualify. Like the line of credit option, a regular business loan usually requires at least 1 year or more time in business and at least a 575 – 600 credit bureau score. Contact us for details.

Can my business afford an mca merchant cash advance?

How can I figure out if my business can afford an mca merchant cash advance?   Calculate if your business can afford a business loan.   If so, step by step instructions on how much of business loan or advance your business can afford.   To get more information or apply for an advance safe for your business, begin below.

Complete the secure DocuSign 30 Second Application now. Or call us at Tel:  1-919-771-4177, or get an affordable mca merchant cash advance.

Can my business afford an mca merchant cash advance?

  1. Find the lowest deposit month of your last 3 months business checking account deposit totals.   Example, $50,000.
  2. Take that figure and multiply it times .20.  This is approximately the amount you should conservatively be taking for an mca merchant cash advance.
  3. Contact mca companies and apply.   If you are approved for more than your recommended safe amount,  do not take more unless you are sure you can make the payments.
  4. Close the cash advance and funds are deposited into your account.

How much of an advance can my business afford? Example, how to calculate:

Below is an example of how to estimate a conservative funding amount.

  1. Look at your most recent (3) months business checking account statements.  Find and add the amount of your total deposits.  Most banks give you one amount and list it as “total deposits”.   Some banks will also have a separate entry for electronic deposits.  If your bank itemizes different deposit types, add them up.  Example figures are below.
    December total Deposits $25,000
    January total Deposits = $15,000
    February total deposits = $19,000
  2. The lowest month is January at $15,000 in total deposits.   Multiply $15,000 X .2 = $3,000.     $3,000 is a safe and conservative amount.   
  3. A more aggressive amount is $15,000 times .5 = $7,500.
  4. Figure out your daily payment.   On average, the term of an mca merchant cash advance is approximately 6 months.  For $3,000,  your daily payment will be approximately $3,000 X 1.35 % (6 x 21) = $155.77 per business day.    There are approximately 21 business days per month.   The rate factor used here is 1.35.
  5. If you can handle this payment for 6 months, you can close the transaction.
Can my business afford an mca merchant cash advance?
calculate how much of an mca merchant cash advance your business can afford. Get conservative and aggressive amounts.

Other factors that affect offer and approval amounts:

Depending upon other factors such as time in business, average daily balances and amount of revenues, the funder may offer a much larger business loan or advance.    Your business may be able to handle a larger amount.   The purpose here is to determine what is a conservative and safe amount.

More disposable income with higher deposits

Businesses with higher gross deposits can often afford a higher advance. This is because the same percentage of disposable income equals a higher dollar amount. If your business has fixed total expenses of $7,500 out of $10,000, then it has disposable income of $2,500.
When gross deposits are $100,000 and fixed expenses are $75,000, then disposable income is $25,000.
In the later case, a business will be able to handle a larger merchant cash advance, because their total gross deposits are higher.

Many businesses continue to take out merchant cash advances by renewing them once they are paid off.  If your business is taking out a merchant cash advance for the first time, try a lower amount first to make sure your business has the cash flow needed and can handle it.   If so, you can take out a larger amount on a second advance.

FAQ, Frequently asked questions:

I need an mca merchant cash advance payment I can handle and pay.   I need a cash advance safe for my business.  How can I get that?

Refer to the formula above to figure out how much of a payment your business can afford.   Also consider how much that would be per month.  When businesses takes out an mca merchant cash advance with a daily payment, they often do not calculate how much that will be per week and per month.

How can I get a business loan that I can pay? I do not want a cash advance to put me out of business

Refer to the affordability calculations above. Every business is different but you can estimate approximately how much your business can pay. Start out with gross revenues, then calculate an average % of gross deposits.

Pick your escape from MCA merchant Cash Advances

Join thousands of business owners who are today free from merchant cash advances.   The livelihood of their business was in danger.   They needed to escape from mca merchant cash advances.   Choose from several options.  Get your life back.  Together, you will get you the best merchant cash advance relief program for your business.   Smallbusinessloansdepot, the first choice for safe merchant cash advance consolidation.   Apply now.
Complete the secure Docusign >>15 Second Application now.<<
Or call us at Tel:  1-919-771-4177.  Escape from MCA merchant cash advances here.

Pick your escape from MCA merchant cash advances.

Permanent relief from your mca merchant cash advance problem:

1) Call the merchant cash advance companies and negotiate a solution. 
Tell them the pressure on your cash flow has been far greater than you thought and ask if the terms can be renegotiated.    If the Merchant Cash Advance company agrees, they normally lower the daily or weekly payment and the term is extended.
2) Try to qualify for a different loan to payoff the merchant cash advances.
Options are an asset based loan such a loan against real estate.    There are other loans that may be able to help business cash flow such as Factoring.
Factoring helps you get money owed to you much sooner.
If you cannot get one of these loans and the time left on your advances is only 2 or 3 months, another option is a bank statement loan.  If you can get approved for
6 to 10 month funding that pays off advances you only have 2 to 3 months
left on, then you may be able to extend the term of your existing debt by 7 or 8 months.  This can cut your daily payment by 75%.
3) Ask for a pause in your merchant cash advance payments.  
This works best if your business only needs a pause in the payments.  In most cases, the mca merchant  ash advance companies will stop the payments completely for 1 or 2 weeks.  If you know your business needs much more relief than this, you probably should not request this option as it will not be enough to solve your problem.   If you request temporary relief, then ask for a permanent reduction right away.

TIP

In many cases, your payment may be reduced by 25% to 50%,  but often only for 30 to 60 days.  Some funders give merchants more time to pay it back or a permanent reduction in the payments.    First decide if lower payments are enough.  Will you be able to handle lower payments permanently?
Do cash flow calculations to determine if your business can afford the payments, even if they are lowered as much as 50%.

4) Find a traditional consolidation program
Such a program will payoff the other advances at closing.  This is not a program that advertises consolidation but then sells another cash advance.    If you can qualify for such a consolidation program, it will often be the best choice.   The terms will vary greatly depending on the strength or weakness of your profile.    The biggest advantage of these programs is that they almost always extend the term and lower your payment a lot at the same time.   Break away from merchant cash advances!

escape from mca merchant cash advances
How would you like to escape your mca merchant cash advances?

More drastic measures

5) Hiring and involving an Attorney. 
This option can be considered if you have tried your best to work with the merchant cash advance companies and they did not offer a solution that would allow you to stay in business.   If this happens, consulting an attorney and considering your options may be in your best interest.   It could be that having an attorney contact the merchant cash advance companies to request terms that are sustainable for your business  brings you a better offer.     Threats of non payment or other harsh actions may not be required.

6) Bankruptcy.
This may be a final but viable option.  In the event you cannot work anything out and you will go out of business, bankruptcy may be the best choice.   Contact a bankruptcy attorney to discuss this.   If you have signed a COJ, certificate of Judgement, then make your attorney aware the merchant cash advance company has a COJ from you.   A certificate of Judgement may allow a creditor to immediately access and also debit from any bank account you have an any bank.   Bankruptcy may be able to prevent this and allow your true escape from mca merchant cash advances.

Choose one of these options and start on your path to escape from mca merchant cash advances.   Break out and get away from merchant cash advances today!

Too Many Overdrafts and NSF’s

Too many Overdrafts and NSF’s

One of the reasons companies are declined for business loans is for too many overdrafts and NSFs.  They have excessive Overdrafts and NSF’s per month that exceed lender guidelines.   What is non sufficient funds?  What is an overdraft?  A overdraft or insufficient funds is a deficit in a bank account caused by drawing more money than the account holds. Businesses use MCA Merchant Cash Advances and ACH Bank loans to finance their businesses.
How can your business overcome being declined for a business loan or Merchant Cash Advance or ACH bank loan for having excessive Overdrafts or excessive NSFs?   Here are several tips that your business can follow to get a business loan.
Join thousands of businesses who have gotten a business loan with nsf’s and overdrafts.  Together, you will get you the best program for your business with Smallbusinessloansdepot, the first choice for a business loan.  Apply below today.

Complete the Secure DocuSign >>Fast Application Now.<<
Or Call us at Tel:  1-919-771-4177, or Get funding with too many overdrafts and NSF’s here. 

Business account overdrawn?  Our Small Business Development Center assists businesses in overcoming these obstacles so they can focus on making their business prosper.

Many times a business loan that is approved falls through at the last minute and does not close if there are overdrafts and NSF’s before closing.  If there are too many overdrafts and
NSF’s since the beginning of the Month, or between the time of approval and closing, it may be declined just before closing.   When a Bank verification is done and the Account is overdrawn, the loan may then not close and be declined.

At the time you are trying to close a loan with an overdrawn business account, make a deposit immediately before the Lender checks the bank account.   If you make a deposit beforehand, you can save the approval.    If it is too late and the loan is declined, ask the Lender if you can make a deposit to bring the account into the positive will they close the Loan then?  Do not try to close a loan if your account is overdrawn.   Wait until it is in the positive.

Too Many Overdrafts and NSF’s

FAQ’s:

What are too many overdrafts and NSF’s?
More than 5 Overdrafts and 5 NSF’s per month.

Frequent Requests by callers and applicants:
– I was declined for a merchant cash advance for having too many Overdrafts and too many NSFs.   Help me get a merchant cash advance.
– I was declined for a business loan for excessive Overdrafts and NSF’s.   What can our business do to get a loan with too many nsfs?

How to get approved with excessive Overdrafts or NSF’s

Talk to lenders in advance and find out if the lender has a maximum number of Overdrafts or NSF’s per month they accept.  We can put your business into qualifying programs so your business can get all the Capital it needs.

Too many Overdrafts and NSF's
Business Loans with Overdrafts and NSF’s

Other options if declined for too many Overdrafts or NSF’s for an MCA merchant cash advance or ACH bank loan

Talk to the Merchant Cash Advance companies and ACH business loan lenders directly about being declined for having too many Overdrafts or NSF’s per month.   Ask them if there are other programs available you may qualify for right now.   Always ask if you can start out for a lower amount.

In addition, make sure your business does  not have any more Overdrafts or NSF’s  for a few weeks and apply at the start of the next statement month.

Possible solution:

If you know you will not have any more Overdrafts or NSF’s the next few weeks in your business checking account,  tell the Merchant Cash Advance company or ACH business loan company.    If the overdrafts or NSF’s were from a single event instead of spread out throughout the months, this can make a difference.   It is an isolated incident.   You can let the lender know they resulted from a one time event.   Many decisions are automated and made quickly.   Make a strong case and the lender may reconsider your request.

If the lender will still not approve it, ask how long you have to wait before your can be reconsidered.   Ask what needs to be corrected to avoid being declined again.

Get other working capital loans

Your business can apply for other types of business loans if time is critical.   Which ones are best depend on your company’s financing needs and situation.    Choices include:

– Business loans based on Real Estate or Equipment Assets
– Account Receivables Financing
– Monthly Term loans up to 60 months or longer with full financials.

Representatives service the following cities in the Western Region and can be contacted.

Alaska, Hawaii and California

In Anaheim, CA and Anchorage, AK. Bakersfield, CA and also in Carlsbad, CA. Chula Vista and also Fontana, CA. Fremont, CA and in Fresno, CA. Hayward, CA and Honolulu HI.  Irvine, CA and in Madera, CA. Modesto, CA and also Merced, CA.  Oakland, CA and in Ontario, CA. Oxnard, CA and Riverside, CA. Roseville, CA and in San Francisco, CA. San Jose, CA and also San Diego, CA. Santa Ana, CA and in Santa Clara, CA. Santa Rosa, CA and Sacramento, CA. Salinas, CA and in San Bernardino, CA. In Santa Barbara, CA and also Santa Maria, CA. Sunnyvale, CA and in Stockton, CA. Thousand Oaks, CA and Vallejo, CA. Ventura, CA and also in Visalia, CA.

West Region:

Representatives in the following cities may also be contacted:

Nevada, Oregon and Washington:

In Bellevue, Washington and Eugene, OR. Everett, WA and in Henderson, NV.  Kent, Washington in addition to Las Vegas, NV.  Olympia, WA and also Portland.  Reno, NV and Seattle, WA. Olympia, WA and in Paradise, NV.  Portland, OR in Renton, Washington.   Salem, OR and in Seattle, WA.  Sparks, NV as well as Spokane, WA. Tacoma, WA, Vancouver, Washington and Yakima, Washington.

Arizona and Utah:

Albuquerque, AZ and Avondale, AZ.  Chandler, AZ and in Flagstaff, AZ.  Gilbert, AZ and in Glendale, AZ.  Goodyear, AZ and also Mesa, AZ. Nogales, AZ as well as Ogden, UT.  Phoenix, AZ and in Peoria, AZ.  Provo, UT and Scottsdale, AZ. Salt Lake City, UT and also Scottsdale, AZ.  Surprise, AZ and aslo in Tempe, Arizona.  Tucson, AZ, Yuma, AZ and San Tan Valley, AZ.

Colorado, Idaho, Montana, New Mexico and Wyoming:

In Albuquerque, NM, Aurora, CO.  Boise, ID and in Cheyenne, WY.  Colorado Springs, CO as well as Denver, CO.  Helena, MT and Lakewood, CO as well as Santa Fe, NM.

South Region:  

Consultants in the following cities can be called to schedule a same day appointment
or call: 

Kentucky, Virginia, Washington, D.C., and West Virginia: In Alexandria, VA and Arlington, VA. Chesapeake, VA and in Hampton, VA.  Huntington, WV and also in Kenner, VA and Lexington, KY. Louisville, KY as well as Lynchburg, Virginia.  Newport News, VA and in Norfolk, VA.  Petersburg, VA and also in Portsmouth, Virginia.  Richmond, VA and Roanoke, Virginia.  In Suffolk, Virginia and also Virginia Beach, VA.

North Carolina, South Carolina:

In Anderson, SC and Asheville, NC.  Cary, North Carolina and also in Chapel Hill, NC. Charleston, SC and in Charlotte, NC. Chattanooga, TN as well as Columbia, SC. Concord, NC and Davidson, TN. Dunn, NC, Durham, NC and Fayetteville, NC. Franklin, TN, Gastonia, NC. as also in Greensboro, NC. Greenville, SC,  Henderson, NC as well as Hickory, NC. High Point, NC, Kingsport, TN and Knoxville, TN.  In Maudlin, SC, Memphis, TN and also Morristown, TN. Murfreesboro, TN, Myrtle Beach, SC and Nashville, TN.  North Charleston, South Carolina as well as Raleigh, NC. Sanford, NC, Lenoir City, TN and in Shelbyville, TN. Spartanburg, SC, Wilmington, North Carolina and Winston-Salem, NC.

Florida:

In Cape Coral, FL, Clearwater, FL and Daytona Beach, FL. In Jupiter, FL, Fort Myers, FL as well as Ft. Lauderdale, FL. Hialeah, FL, Jacksonville, FL and Lakeland, FL.  Melbourne, FL, Miami, FL and Ocala, FL.  Pensacola, FL, Kissimmee, FL as well as Naples, FL. Orlando, FL, Ormond Beach, FL and also in Palatka, FL.   In Palm Bay, FL, Pensacola, FL and also Port St. Lucie, FL. Saint Petersburg, FL, Sanford, FL and Tallahassee, FL. In Tampa, FL, West Palm Beach, FL as well as Winter Haven, FL.

Alabama, Georgia, and Mississippi:

In Atlanta, GA, Augusta, GA and Birmingham, AL.  Gulfport, MS, Hoover, AL and also Huntsville, AL. Jackson, MS, Mobile, AL as well as Montgomery, AL. Savannah, GA,  St. Mary’s GA and also in Talladega, AL.

Arkansas and Louisiana:

In Baton Rouge, LA and Fayetteville, AR.  Forrest City, AR,  Lafayette, LA and Little Rock, AR. Metairie, LA and New Orleans, Louisiana. Baton Rouge, Louisiana, Shreveport, Louisiana and also Lafayette, Louisiana.

Oklahoma and Texas:

In Arlington, TX and Austin, TX.  Bartlesville, OK, Beaumont, TX and in Corpus Christi, TX. Dallas, TX, Edinburg, TX and in El Paso, TX.  Ft. Worth, TX, Houston, TX as well as Killeen, TX. Lafayette, LA, Mission, TX and Muskogee, OK.  Oklahoma City, OK, McAllen, TX and also in New Braunfels, TX.  Round Rock, TX, San Antonio, TX, as well as Shawnee, OK.  Sugarland, TX, and The Woodlands, TX as well as Tulsa, OK.

Midwest Region:
Representatives in the following Midwest cities can be contacted:

Illinois, Indiana, Wisconsin:

In Anderson, IN, Carmel, IN, and Aurora, Illinois.  Chicago, Illinois, Elgin, Illinois as well as Rockford, Illinois.  Joliet, Illinois, Lee’s Summit, Missouri and in Naperville, Illinois.  Springfield,  Illinois,  Peoria, Illinois and also in Elgin, Illinois.  Waukegan, Illinois, Cicero Town, Illinois as well as Champaign, Illinois.  Bloomington, Illinois, Decatur, Illinois and Eau Claire, WI.  Fort Wayne, IN, Gary, IN and in Indianapolis, IN.  Madison, WI, Milwaukee, WI and Naperville, IL.  Green Bay, Wisconsin, Kenosha, Wisconsin, and Peoria, IL.  Racine, WI, Springfield, IL and also Waukesha, WI.

Michigan and Ohio:

In Akron, OH, Ann Arbor, MI and Canton, OH.  Cincinnati, OH, Cleveland, OH and also Columbus, OH.  Dayton, OH, Dearborn, MI and in Detroit, MI.  Flint, MI, Grand Rapids, MI as well as Marion, OH. Maysville, OH, Muskegon, MI and Parma, Ohio.  Toledo, OH, Wilmington, OH, Wyoming, MI and also  Youngstown, OH.

Kansas, Nebraska, North Dakota and South Dakota:

In Council Bluffs, NE and Kansas City, MO.  Lawrence, KS, Omaha, NE as well as Wichita, KS.

Iowa, Minnesota, and Missouri:

In Bloomington, MN and Columbia, MO. Davenport, IA, and also Des Moines, IA.  Duluth, MN and also Independence, Missouri.  Kansas City, Missouri and Minneapolis, MN. Overland Park, MO as well as Rochester, Minnesota.  Springfield, MO, St. Charles, MO as well as St. Joseph, MO.   Springfield, Missouri and St. Louis, Missouri.  St. Paul, Minnesota and St. Cloud, MN.

Northeast Region:

New York:

In Albany, NY,  Batavia, NY and Buffalo, NY.  Cheektowaga, NY, New York City, NY as well as Niagara Falls, NY.  Rochester, NY, Schenectady, NY, Seneca Falls, NY and Syracuse, NY.

Maine, Vermont, New Hampshire and Massachusetts:

In Bangor, ME and Boston, MA. Burlington, VT, Cambridge, MA and Concord, NH. Montpelier, VT, Newton, MA as well as Portland, ME.  Providence, MA and Springfield, MA. In Warwick, MA as well as Worcester, MA.

Pennsylvania, Maryland and Delaware:

In Allentown, PA and Baltimore, MD.  Bethlehem, PA, Columbia, MD and Dover, DE. Harrisburg, PA, Lancaster, PA and in Lansing, MI.  Lebanon, PA, Manchester, PA as well as New Castle, PA.  Philadelphia, PA, Pittsburgh, PA and also Reading, PA. In Salisbury, MD, Scranton, PA and Towson, MD.  In Weirton, PA, Wilmington, DE and also in York, PA.

Connecticut, New Jersey and Rhode Island:

In Bridgeport, CT and Camden, NJ.  Hartford, CT, Jersey City, NJ as well as Milford, CT.  New Haven, CT,  New London, CT and Newark, NJ.  Norwalk, CT and Norwich, CT.  Providence, RI, Stamford, CT and also in Trenton, NJ.

Your business can overcome being declined for a MCA Merchant Cash Advance or ACH business loan for having too many Overdrafts and NSF’s.     The SBA small business administration offers advice and workshops on business loans.

Not enough Deposits – MCA Merchant Cash Advance Declined

Not enough deposits – MCA Merchant Cash Advance Declined

What does not enough deposits mean?
Businesses have used MCA Merchant Cash Advances and ACH loans to a great extent in recent years to finance their businesses.    One of the reasons Companies are declined is for not enough deposits or too few deposits  per month.  They are not making enough deposits into their business checking account per month.    The business account has limited activity or no activity in one of the most recent months.
How can your business overcome being declined for a Merchant Cash Advance or ACH bank loan for having too few deposits?   There are several tips that your business can follow to get financing, either right away or in the short term.

Complete the secure DocuSign >>15 Second application for business loan with not enough deposits now.<<
Or call us at Tel:  1-919-771-4177, or Get a business loan with not enough deposits. 

Our Small Business Development Center assists businesses in overcoming these obstacles so they can focus on making their business prosper.

FAQ’s:
What are too few deposits ?
This is usually less than 4 Deposits per month.

Most frequent Requests:
– I was declined for a merchant cash advance for having too few deposits, or not enough deposits.   Help me get a merchant cash advance.
– We were declined for an ACH loan for not having enough deposits.  What resources are available to help our business overcome this?

Not enough deposits per Month
Has your business been declined for not having enough deposits per month?

How to get approved with little or too few deposits per month

Talk to lenders in advance and find out if the lender has a minimum number of deposits per month needed to be approved for financing.  We can direct your business to these programs so that you can apply for the right program and can get approved.

Other options if declined for not enough deposits per month for a merchant cash advance

Make more deposits immediately during the rest of the month and apply at the start of the next month.   A deposit to a business checking account statement is often from several customers.   Retailers usually have several checks and cash from several customers, go to the bank and make 1 deposit.    Instead of 1 large deposit, break the deposit into several smaller deposits over the course of 2 or 3 days.

Talk to the Merchant Cash Advance companies and ACH business loan lenders directly about being declined for not having enough deposits per month.   Ask them if there is anything that can be done.

Possible solution:

If you know the deposits you make into your business checking account have multiple items, you can tell the Merchant Cash Advance company or ACH business loan company.
What are multiple items?
Multiple items means that the funds in the deposit are from more than 1 customer.    If the merchant cash advance company knows this, you can get a copy of the deposit from the bank.   The copy of the deposit will show the items deposited. If it is 5 items, you may get credit for 5 deposits instead of 1.     You may be able to get the MCA company to change the decline to an approval.   A number of ACH lenders and merchant cash advance companies are open to this.

If this does not work, ask how long you have to wait before they will consider you again.  Be clear on what they want to see the next time so you will not be declined again.

Get working capital through other loans

If the options above do not work or you cannot wait, your business can consider other types of business loans.   Which ones are best depend mostly on your company’s profile.    Choices include:
– Monthly Term loans up to 48 months based on Tax Returns
– Accounts Receivables Financing
– Business loans based based on Real Estate or Equipment Assets

With one of the above options, your business may overcome being declined for a MCA Merchant Cash Advance or ACH business loan for not having enough deposits and get the needed funds.     The SBA small business administration also has excellent resources on alternative business loans

Consolidate merchant cash advances


How to consolidate merchant cash advances.  Many businesses have multiple mca merchant cash advances that have been stacked and are looking for major relief to lower their daily and weekly payments.   A regular consolidation and reverse consolidation are ways to improve cash flow by as much as 25% to 50%.

How to get a merchant cash advance consolidation:

  1. Calculate how much you can afford to pay per day, week and month compared
    to what you are paying now.
  2. Research and contact companies that offer consolidation programs that match your business needs and daily budget.
  3. Review the qualification requirements and choose from programs that you have the best chance to qualify for.
  4. Do not get another mca merchant cash advance during the term of the consolidation.

Complete secure Docusign 30 Second Application now.
Or call us at Tel:  1-919-771-4177, or Question?


h4>FAQ Frequently asked questions on merchant cash advance consolidation.

What is a merchant cash advance consolidation?
A merchant cash advance consolidation is usually one large loan used to payoff several smaller cash advances.  The goal is to lower total daily payments by extending the term, lowering the rate, or both. However, there are several programs that work differently to lower your payments. Not all of these programs will help your business, so contact us to discuss
I want a merchant cash advance consolidation. How do I qualify?
Keep paying all your current advances on time
Wait until 30 days after the most recent cash advance if possible before applying for a consolidation.   Most consolidation requests are declined if a business took out a cash advance in the last 30 days.    Lenders want to see how a business is paying the most recent advance before a consolidation request is approved.
Your business should not have more than five overdrafts or five NSFs per month.  Then complete the 30 second application above.
How can I get the best Merchant Cash Advance Consolidation?
Complete the one page application.  Provide information on the existing advances.  Give the approximate balance and the daily payment.   List how many months are left on the existing merchant cash advances.  Determine how much per day, week and month your business can afford.
A business may be able to cut their monthly payment up to 50% to 75%.   As an example a business has a $3000 monthly payment on two merchant cash advances combined.   By paying those off with one 48 month loan, the payment can be cut as much as $1750 per month.  By doing so the business now has an extra $1750 per month  cash flow.   It can use the savings for other business expenses.
How much can I save per day or per week?
In most cases, your business can lower payments between 25% and 50%.
How does the consolidation work?
Your business submits an application and the most recent three months bank statements. Your business cash flow is analyzed to determine what your business can successfully pay in full. If it is determined that your business can pay a lower amount for a longer term, an offer may be made. Your current advances are either paid off or the daily payment is covered while you pay a much lower amount for a longer period of time.
Do you offer reverse consolidations?
Yes, we offer reverse consolidation options
How does a reverse consolidation work
In a reverse consolidation, the current mca merchant cash advances are covered and paid on a weekly basis. An amount equal to one week of all mca payments are deposited into the business checking account of the merchant. The business then makes a reduced longer term daily payment to repay the reverse consolidation financing. The consolidation financing is for a longer term and often a lower rate than the merchants current mca advances. This allows the merchant to have a lower daily payment and improve their daily and weekly cash flow. Payments are often between 20% to 50% lower than their current advances.

These businesses want to consolidate mca merchant cash advances, which consolidating an ach loan, or consolidating and ach business loan.    If your business does, it may be able to consolidate merchant cash advances into 1 loan.    Your business may also be able to extend out the term of the advances.   We can assist in paying off 2, 3 or 4 other advances and lowing your payment by as much as 50% or more.

Some businesses have more than one merchant cash advance. Some businesses have 2, 3 or more short term advances.  Due to the monthly cash flow impact, they cannot pay the advances and need cash flow relief.  They need to either consolidate or extend the term.   Consolidation and extending the term is an ideal solution.

Funding can be advanced to allow your business to consolidate merchant cash advances into 1 loan.

Tips on how to get approved for a cash advance consolidation:

–  Keep paying all your current advances on time before applying for a consolidation.
–   Wait until 30 days after the most recent cash advance to apply for a consolidation.   Most consolidation requests be declined if a business took out it’s most recent advance in the last 30 days.    Lenders want to see how a business is paying it’s most recent debt before it agrees to approve a consolidation application.
–  Don’t have more than 5 overdrafts or 5 NSF’s per month.

Consolidate merchant cash advances
Consolidate your merchant cash advances today.

Common concerns and requests we hear:

– I need a mca merchant cash consolidation.
– Help me consolidate my mca merchant cash advances.
– I need to lower my merchant cash advance daily debits.
– My merchant cash advances are devastating my business
– I need help immediately from mca merchant cash advances”
– Please help me save my business.   My cash advances are suffocation my cash flow destroying my business.

Frequent consolidation program features:
– No net funding requirement.
– Any number of positions consolidated.
There are daily, weekly, bi-weekly, and monthly repayment options for several consolidation options and loans.
We try to tie payment frequency to your deposit volume.  In consolidations, the main things at are looked at are:

The repayment history on current advances.

– If we are materially cheaper, and if your business has been able to pay your existing higher cost advances with minimal NSFs, we will aggressively pursue a consolidation.
– Deposit volume and consistency are reviewed.  If deposits vary significantly from month to month, we will typically look at the lowest month when calculating an amount to offer.  Up to 1.25 times your deposits with a 6 to 12 month term are offered.
– (NSF) insufficient funds and overdraft frequency are looked at.

Other features of the Merchant Cash Advance and other loan products:

1. Advances are available in almost all states EXCEPT California.   Term loans are available.

Merchant cash advance consolidation benefits

2. Your future consolidation advance acts like more of a line of credit than a typical advance — a merchant can request additional capital at anytime from us.  We will quickly re-underwrite it with no fee and offer additional funds and keep your scheduled payment the same.

You do not have to pay off our advance with us in order to get more capital.  This holds true if your business requests more capital after one month, or after six months.  Your business saves money at renewal. Your business will not pay interest on interest if you renew for premium programs.

– No origination or underwriting fees unless three or more advances are consolidated.  Then those fees are still lower, $250 to consolidate 3 to 4 advances, $500 to $750 for 5 or more advances).  No NSF fees or other junk fees are charged.
– The maximum initial advance or loan is $100,000.
– This is first position funding only.   This funding can be the only funding following a consolidation.  A standard line of credit, credit card split loan, traditional bank loan.
– SBA loan, car loan, student loans and home loans can be left in place.
– Daily, weekly, bi-weekly, and monthly payment options are available.
Your business may need help creating a business plan.  The SBA can also assist with ideas and programs to develop a business plan.

Representatives service the following cities in the western region and can be contacted.

Alaska, Hawaii and California

In Anaheim, CA and Anchorage, AK. Bakersfield, CA and also in Carlsbad, CA. Chula Vista and also Fontana, CA. Fremont, CA and in Fresno, CA. Hayward, CA and Honolulu HI.  Irvine, CA and in Madera, CA. Modesto, CA and also Merced, CA.  Oakland, CA and in Ontario, CA. Oxnard, CA and Riverside, CA. Roseville, CA and in San Francisco, CA. San Jose, CA and also San Diego, CA. Santa Ana, CA and in Santa Clara, CA. Santa Rosa, CA and Sacramento, CA. Salinas, CA and in San Bernardino, CA. In Santa Barbara, CA and also Santa Maria, CA. Sunnyvale, CA and in Stockton, CA. Thousand Oaks, CA and Vallejo, CA. Ventura, CA and also in Visalia, CA.
West Region:
Representatives in the following cities may also be contacted:

Nevada, Oregon and Washington:

In Bellevue, Washington and Eugene, OR. Everett, WA and in Henderson, NV.  Kent, Washington in addition to Las Vegas, NV.  Olympia, WA and also Portland.  Reno, NV and Seattle, WA. Olympia, WA and in Paradise, NV.  Portland, OR in Renton, Washington.   Salem, OR and in Seattle, WA.  Sparks, NV as well as Spokane, WA. Tacoma, WA, Vancouver, Washington and Yakima, Washington.

Arizona and Utah:

Albuquerque, AZ and Avondale, AZ.  Chandler, AZ and in Flagstaff, AZ.  Gilbert, AZ and in Glendale, AZ.  Goodyear, AZ and also Mesa, AZ. Nogales, AZ as well as Ogden, UT.  Phoenix, AZ and in Peoria, AZ.  Provo, UT and Scottsdale, AZ. Salt Lake City, UT and also Scottsdale, AZ.  Surprise, AZ and aslo in Tempe, Arizona.  Tucson, AZ, Yuma, AZ and San Tan Valley, AZ.

Colorado, Idaho, Montana, New Mexico and Wyoming:

In Albuquerque, NM, Aurora, CO.  Boise, ID and in Cheyenne, WY.  Colorado Springs, CO as well as Denver, CO.  Helena, MT and Lakewood, CO as well as Santa Fe, NM.
South Region:
Consultants in the following cities can be called to schedule a same day appointment
or call:

Kentucky, Virginia, Washington, D.C., and West Virginia: In Alexandria, VA and Arlington, VA. Chesapeake, VA and in Hampton, VA.  Huntington, WV and also in Kenner, VA and Lexington, KY. Louisville, KY as well as Lynchburg, Virginia.  Newport News, VA and in Norfolk, VA.  Petersburg, VA and also in Portsmouth, Virginia.  Richmond, VA and Roanoke, Virginia.  In Suffolk, Virginia and also Virginia Beach, VA.

North Carolina, South Carolina:

In Anderson, SC and Asheville, NC.  Cary, North Carolina and also in Chapel Hill, NC. Charleston, SC and in Charlotte, NC. Chattanooga, TN as well as Columbia, SC. Concord, NC and Davidson, TN. Dunn, NC, Durham, NC and Fayetteville, NC. Franklin, TN, Gastonia, NC. as also in Greensboro, NC. Greenville, SC,  Henderson, NC as well as Hickory, NC. High Point, NC, Kingsport, TN and Knoxville, TN.  In Maudlin, SC, Memphis, TN and also Morristown, TN. Murfreesboro, TN, Myrtle Beach, SC and Nashville, TN.  North Charleston, South Carolina as well as Raleigh, NC. Sanford, NC, Lenoir City, TN and in Shelbyville, TN. Spartanburg, SC, Wilmington, North Carolina and Winston-Salem, NC.

Florida:

In Cape Coral, FL, Clearwater, FL and Daytona Beach, FL. In Jupiter, FL, Fort Myers, FL as well as Ft. Lauderdale, FL. Hialeah, FL, Jacksonville, FL and Lakeland, FL.  Melbourne, FL, Miami, FL and Ocala, FL.  Pensacola, FL, Kissimmee, FL as well as Naples, FL. Orlando, FL, Ormond Beach, FL and also in Palatka, FL.  In Palm Bay, FL, Pensacola, FL and also Port St. Lucie, FL. Saint Petersburg, FL, Sanford, FL and Tallahassee, FL. In Tampa, FL, West Palm Beach, FL as well as Winter Haven, FL.

Alabama, Georgia, and Mississippi:

In Atlanta, GA, Augusta, GA and Birmingham, AL.  Gulfport, MS, Hoover, AL and also Huntsville, AL. Jackson, MS, Mobile, AL as well as Montgomery, AL. Savannah, GA, St. Mary’s GA and also in Talladega, AL.<

Arkansas and Louisiana:

In Baton Rouge, LA and Fayetteville, AR.  Forrest City, AR,  Lafayette, LA and Little Rock, AR. Metairie, LA and New Orleans, Louisiana. Baton Rouge, Louisiana, Shreveport, Louisiana and also Lafayette, Louisiana.

Oklahoma and Texas:

In Arlington, TX and Austin, TX.  Bartlesville, OK, Beaumont, TX and in Corpus Christi, TX. Dallas, TX, Edinburg, TX and in El Paso, TX.  Ft. Worth, TX, Houston, TX as well as Killeen, TX. Lafayette, LA, Mission, TX and Muskogee, OK.  Oklahoma City, OK, McAllen, TX and also in New Braunfels, TX.  Round Rock, TX, San Antonio, TX, as well as Shawnee, OK.  Sugarland, TX, and The Woodlands, TX as well as Tulsa, OK.

Midwest Region:
Representatives in the following Midwest cities can be contacted:

Illinois, Indiana, Wisconsin:

In Anderson, IN, Carmel, IN, and Aurora, Illinois.  Chicago, Illinois, Elgin, Illinois as well as Rockford, Illinois.  Joliet, Illinois, Lee’s Summit, Missouri and in Naperville, Illinois.  Springfield,  Illinois,  Peoria, Illinois and also in Elgin, Illinois.  Waukegan, Illinois, Cicero Town, Illinois as well as Champaign, Illinois.  Bloomington, Illinois, Decatur, Illinois and Eau Claire, WI.  Fort Wayne, IN, Gary, IN and in Indianapolis, IN.  Madison, WI, Milwaukee, WI and Naperville, IL.  Green Bay, Wisconsin, Kenosha, Wisconsin, and Peoria, IL.  Racine, WI, Springfield, IL and also Waukesha, WI.

Michigan and Ohio:

In Akron, OH, Ann Arbor, MI and Canton, OH.  Cincinnati, OH, Cleveland, OH and also Columbus, OH.  Dayton, OH, Dearborn, MI and in Detroit, MI.  Flint, MI, Grand Rapids, MI as well as Marion, OH. Maysville, OH, Muskegon, MI and Parma, Ohio.  Toledo, OH, Wilmington, OH, Wyoming, MI and also  Youngstown, OH.

Kansas, Nebraska, North Dakota and South Dakota:

In Council Bluffs, NE and Kansas City, MO.  Lawrence, KS, Omaha, NE as well as Wichita, KS.

Iowa, Minnesota, and Missouri:

In Bloomington, MN and Columbia, MO. Davenport, IA, and also Des Moines, IA.  Duluth, MN and also Independence, Missouri.  Kansas City, Missouri and Minneapolis, MN. Overland Park, MO as well as Rochester, Minnesota.  Springfield, MO, St. Charles, MO as well as St. Joseph, MO.   Springfield, Missouri and St. Louis, Missouri.  St. Paul, Minnesota and St. Cloud, MN.

Northeast Region:

New York:

In Albany, NY,  Batavia, NY and Buffalo, NY.  Cheektowaga, NY, New York City, NY as well as Niagara Falls, NY.  Rochester, NY, Schenectady, NY, Seneca Falls, NY and Syracuse, NY.

Maine, Vermont, New Hampshire and Massachusetts:

In Bangor, ME and Boston, MA. Burlington, VT, Cambridge, MA and Concord, NH. Montpelier, VT, Newton, MA as well as Portland, ME.  Providence, MA and Springfield, MA. In Warwick, MA as well as Worcester, MA.

Pennsylvania, Maryland and Delaware:

In Allentown, PA and Baltimore, MD.  Bethlehem, PA, Columbia, MD and Dover, DE. Harrisburg, PA, Lancaster, PA and in Lansing, MI.  Lebanon, PA, Manchester, PA as well as New Castle, PA.  Philadelphia, PA, Pittsburgh, PA and also Reading, PA. In Salisbury, MD, Scranton, PA and Towson, MD.  In Weirton, PA, Wilmington, DE and also in York, PA.

Connecticut, New Jersey and Rhode Island:

In Bridgeport, CT and Camden, NJ.  Hartford, CT, Jersey City, NJ as well as Milford, CT.  New Haven, CT,  New London, CT and Newark, NJ.  Norwalk, CT and Norwich, CT.  Providence, RI, Stamford, CT and also in Trenton, NJ.