Today We

Today We


We all try our best to save money and most of the time life is great. All is going well while you sit back and slowly watch your savings account grow to a respectable number. Then the brakes on your car go out. No big deal, you’ve got a decent savings account. While working on your brakes it is discovered that you are also in need of shocks, strut, and any number of other things. Now this is getting into some serious cash, but you can handle it. Until Uncle Joe calls and says Gramps isn’t doing very well and you now have to fly across the country, now. Sure that is a pretty morbid example and I apologize for that, but that is life. No matter how financially prepared we think we are, there will come a time when you need extra money fast. So how can you get fast cash with little to no waiting period?

When unexpected bills arise, many people are finding the usefulness of a small instant loan. These loans are generally valued from $100 – $1,500. A big pull towards these loans for many is that they also do not require an extensive background check in order to be approved. Depending on your particular circumstances there are a few different types of instant loans you can choose from. These being personal loans, student loans, and payday loans.

Instant student loans are typically used only for minor expenses that occur while away at school and not to be used for tuition. In most cases a co-signer is necessary for approval and the life of these loans are usually only for a few months so there is no long term commitment involved.

Typically instant personal loans are found through internet lenders. These loans have only a few easily obtainable requirements like having a checking account, a job, being a legal citizen, and only one or two outstanding debts. Since there is also no credit check involved they also do not require a co-signer. As soon as your application has been reviewed and your information verified the amount of your loan is deposited into your checking account. And as such, the payments will, in most cases, be automatically withdrawn from there as well.

www.Today We

www.Today We


Most of us can appreciate a solid budget, but for most of us, our budgets are so tight they squeak! Keeping a tight budget and sticking to it is a must, particularly in today’s economic climate.

However, if you are on a budget, and unexpected expenses arise, where do you turn? For many of us, pulling out a credit card is no longer an option. And who wants to ask friends and family for help?

When the Budget Does Not Stretch Far Enough

There are many occasions during which you may need extra cash:

• You are moving into a new home and your security deposit is due.
• You are moving into a new home and you must pay to turn on all of your utilities.
• Your car broke down and you need costly repairs in order to get back up and running.
• Your car broke down and you need your car back ASAP or else you can’t get back and forth to work.
• Your college-bound child needs a host of school supplies before he leaves for college next week.
• Your son needs new shoes to play basketball – and basketball season starts tomorrow!
• You are late paying last month’s rent and your landlord is threatening eviction.
• Your gas bill is long overdue and the gas company is threatening to turn off your service.
• You must help your long-distance family member during a difficult time and you need travel expenses.

As you can see, life happens all the time, at the seemingly worse moments! However, if you know you must tend to certain financial obligations, but your paycheck is still days or weeks away, your options may be limited – but they don’t have to be.


Banks have been closing their doors not only to individuals, but to small businesses also when it came down to lending activities. Due to inability to obtain financing in turning down economy many businesses were forced to close their doors forever. However, a great alternative to traditional small business lending was put into place, known as a business cash advance. Virtually any business, having a merchant account and accepting credit cards as a form of customer payment can gain access to money quickly and hassle-free.

Amount Of Business Cash Advance Is Tied To Credit Card Sales

Business cash advances are loans partially secured by payments coming from credit card processing companies. The amount of advance a business can get depends on the average monthly volume of credit card transactions. When signing up for business cash advance service a business owner would have to switch card processing to a lender-approved vendor. The loan is repaid through daily draw of credit card transactions, typically ranging from 15% and up, depending on the loan amount and length.

Typical loan repayment terms are around 4-6 months. Once a positive payment track is established by a borrower such process may be repeated over and over again, with higher amounts and more comfortable loan lengths. Such business loans are similar to signature loans, as the funds borrowed may be used for any purpose.

Business cash advances are commonly known as factoring – a purchase of future card transactions by a lender. While there is some guarantee presented by a past credit card transaction volume, lenders undertake quite a significant risk leading to higher interest rates. On average, business cash advances feature a 35% premium on top of the principal amount borrowed. However, with low level of lending transaction volume these days, a business cash advance may be the only borrowing tool available to small businesses.


While emergency lending may not be the best method for everyone, many who find themselves in a serious cash crunch have managed to successfully dig themselves out with the help of an emergency loan or line of credit. We have five characteristics of a good candidate for emergency cash loans to help you determine whether this is really the best approach for your situation.

No Other Options

Some people have other options to consider, such as borrowing from a relative or heading to the bank to apply for a traditional loan. Some will use a current credit card to tide them over, while others actually have an emergency fund set aside in their savings account.

If you do not fall into any of these categories, your best bet might be an emergency loan from a lender that specializes in these services.

Steady Income

Most companies that offer emergency cash loans will only issue them to individuals who have a steady income stream. This doesn’t necessarily mean that you have to have a job to get an emergency loan, however. Loans can also be issued to individuals collecting child support or alimony or to those on social security benefits. If you have a regular source of income, you might be a good candidate for an emergency loan product.

An Urgent Situation

Cars break down at inconvenient times, and you can never predict when a child is going to get sick or a refrigerator will need to be replaced. Unexpected expenses like these can be difficult to face if you are already living paycheck to paycheck.