Approved Merchant Accounts
Accept Online Payments

Electronic Transfer, Inc. is a leading Internet solutions provider for an electronic commerce credit card processing account. Find everything Internet businesses need at this trusted source for GUARANTEED Ecommerce accounts with no application fee! Their merchants account software provides customers with preapproved, turnkey electronic payment processing solutions that interface both new and existing websites.

Pay no application fees or online merchants account set up charges! Accept Credit Cards - Free Electronic Processing Set Up to accept online merchant payments! 99.8% of all on line businesses are approved.

Electronic Transfer provides online businesses with preapproved credit card processing services, regardless of previous banking history. Any Internet retail business website can now be enabled to accept Visa card, Mastercard, American Express and Online Checks directly within 10 working days. They also have preapproved leasing programs available for small businesses.

Retail web site owners must be able to accept credit card payments online, or lose money on the web. Pay no application or setup fees for merchants accounts. There is no monthly minimum. Fact is, nearly 100 percent of all applicants are preapproved. Internet merchants needing online credit card processing solutions are ideal and nearly all are approved, with no advance fees, for accepting payments on the Internet. Instant credit card payments online: Commercial merchant payments account with a free shopping cart for your ecommerce website on the Internet.

Cash Flow - How To Collect Most Business Debts In 28 Days

The most common reason for businesses going out of business is a cash flow shortage. It is the amount of money coming into the business, when compared to the money being paid out.

Your business plan should be able to identify where, and when, major business expenditures occur. There are certain times when your income will be at a maximum. Businesses often run into cash flow problems because customers delay paying their bills, or because customers can no longer pay their bills at all.

Some individuals delay paying bills until the very last minute, believing the grace period automatically afforded many past due bills is their right. Many big companies do this, because it improves their own incoming cash position and because other companies that owe them money are doing the very same thing.

When someone starts a first time business, it usually comes as a surprise when many debtors do not pay their bills on time. The company owing you money knows you want to keep their business, so you are unlikely to hound them for debt collection, or chase them immediately or aggressively.

The attitude your customers, your own debtors, take is that your cash flow is your problem. If your company should fail, then there are plenty more companies they can turn to, and meanwhile the money they owe you is in their own bank account, earning interest. If your company fails, then they will have used your money for six months or more, while accountants occasionally pursue them for the debts.

There are two ways out:

1. Delay paying your own suppliers until you absolutely have to; that is: pass the problem along the supply chain. 2. Sell your debts to a finance company. This is called factoring. The factoring company will buy your 100 dollars debt for between 75 and 98 dollars. The range varies with the likelihood that the factoring company will be able to collect on the debt.

If you factor all your debts after 21 or 28 days, the factoring company will give you a better return than if you only sell them debts that have been outstanding for 6 months or longer. Factoring can mean the difference between your business thriving or folding because of the difference it makes in stabilizing your cash flow.

Your income suddenly becomes reliable and predictable. Your cash flow is now secure. You can pay your debts on time and sleep well at night. Factoring means that although you will collect less than the full amount of each invoice, at least you will get 98 cents on each dollar on time. Your profit margin may appear to be lower, but when you eliminate future loan charges necessary to cover your outstanding invoices into account, consider it a small cost for doing business. Ask your own merchant partner, or payment processor, to recommend a few trustworthy factoring companies.