FAQ
YellowPagesFinancialServices.Com - frequently asked questions

Why YellowPagesFinancialServices.Com?

How does YellowPagesFinancialServices.Com work?

Do you currently have customers or is YellowPagesFinancialServices.com a start up?

Unsecured?

What is the term of the loan?

There must be significant late fees?

Do I have to switch my credit card processor?

What is a typical percentage payback?

What about default? If a business defaults or goes out of business do the CMRs or Publisher have any liability?

Sounds too good to be true for the Yellow Pages Industry? How much can each business get?

Can you give us some customers who use the cash advance program?

Why YellowPagesFinancialServices.com?
YellowPagesFinancialServices.com fills a major financial void for merchants, CMRs and Publishers. It allows merchants to increase their Yellow Pages advertising commitment and pay for it out of future sales that result from that increase — the product fits perfectly into the Yellow Pages Value Proposition— ROI.

How does YellowPagesFinancialServices.com work?.
YellowPagesFinancialServices.com is a payment mechanism that allows merchants to get a lump sum of cash today and pay for it out of future credit card receivables. The payment mechanism is pre-programmed to take a predetermined amount of the merchant’s daily credit card receivables until YellowPagesFinancialServices.com is paid back. The merchant simply applies for funding from YellowPagesFinancialServices.com and when approved—in less than ten days—the merchant can do one or all of the following through YellowPagesFinancialServices.com’s EasyPay^SM program at no extra cost:

1. Request YellowPagesFinancialServices.com to pay his/her YP provider for future advertising
2. Request YellowPagesFinancialServices.com to pay for past Yellow Pages advertising
3. Authorize multiple payments to CMRs or publishers
4. Do any form of the above and get the remaining back

Do you currently have customers or is YellowPagesFinancialServices.com a start up?
YellowPagesFinancialServices.com is a unique financial product offering for the Yellow Pages Industry. Through its parent company, Merchant Cash and Capital, one of the top B2B finance companies in the U.S., the company has provided unsecured working capital to over 10,000 small businesses.

Unsecured?
Totally unsecured.

What is the term of the loan?
First, it is not a loan, it is a cash advance and there is no term. This is one of the most significant benefits of YellowPagesFinancialServices.com’s cash advance programs. The suggested payback for the advance is from 3 months to 12 months. Remember, the merchant pays for the advance from his future credit card receivables which means that a scheduled payback of, for example, 4 month may actually be paid in 5 months, if the merchant enters a slow period. Merchants love the "rolling" payback since there is no fixed payment that must be made.

There must be significant late fees?
No. There are no late fees, points, application fees or even closing costs. This is a special benefit to the Yellow Pages Industry. And the best of all there is no term—YellowPagesFinancialServices.com only gets paid when the merchant gets paid from his future credit card receivable. There are no fixed monthly payments.

Do I have to switch my credit card processor?
The merchant is required to process his credit cards with one of YellowPagesFinancialServices.com’s approved credit card processors. Each day when the merchant electronically submits (batches) his credit card receipts, the processor send the same percentage of his Visa and MasterCard receipts to YellowPagesFinancialServices.com and the balance to the merchant’s bank account (split funding). However, YellowPagesFinancialServices.com has agreements with most major credit card processors. Many merchants find that switching to a YellowPagesFinancialServices.com saves them money since we deal in such large volumes, many merchants find a significant savings—we will meet or beat your current processing costs.

What is a typical percentage payback?
Merchants typical earmark between 10 and 20 percent of their daily Visa and MasterCard batch to pay back YellowPagesFinancialServices.com. And that’s why merchants love this payback method—with a slow day they payback less, a good day they pay backs more. We do no ask the merchant for cash.

What about default? If a business defaults or goes out of business do the CMRs or Publisher have any liability?
No. We assume all the liability since the financial transaction is between YellowPagesFinancialServices.com and the merchant. We simply facilitate the Yellow Pages transaction by providing cash.

Sounds too good to be true for the Yellow Pages Industry? How much can each business get?
Funding programs have been around for about 10 years in the U.S. YellowPagesFinancialServices.com estimates that there have been about 200,000 cash advances since inception. This is the first time the cash advance product has been applied to the Yellow Pages Industry. It allows merchants to “buy up” and CMRs and Publishers to strengthen their cash flows since they get paid directly from YellowPagesFinancialServices.com electronically. Each business may qualify for up to $250,000 per location.

Can you give us some customers who use the cash advance program?
Many of our customers use our money to help grow their businesses and use it for everything from media buys, to buying out a partner to buying another franchise. We currently have thousands of customers and they include thousands of small to medium size individual merchants and A,B and C franchises including:

Dairy Queen
Burger King
Olives
Quality Inn
Comfort Inn
Jiffy Lube
Domino's Pizza
Quizno's
Bassett's
Meineke Car Center
UPS