Affinity Member Services

Small Business Lending Is Back – Who’s The Right Alternative Lender To Choose From?

ams — Wed, 08 Apr 2026 15:29:06 +0000

Affinity Member Services

Small Business Lending Is Back – Who’s The Right Alternative Lender To Choose From?

13

August
2021

Small Business Lending Is Back – Who’s The Right Alternative Lender To Choose From?

Introduction

Over the last year we have learned a lot about how lending is the reason why most businesses succeed or fail. What we doto forecast the future has a lot to do in how we build our businesses overtime. The Pandemic has shown us how vulnerable our finances can be and it’s better to have a plan to make sure we have resources for catastrophic events. Having the right resource is everything and it’s just not a bank but a partnership you can turn to when you need it. However, you’re in the same place that many other successful entrepreneurs started out along their paths.

Your banks are there to help you keep the money safe, give you a solution to help you or help you finance your future. Sometimes those relationships with banks change overtime. What do you do when that happens? Alternative lending is one partnership you can rely on because as long as your business is bringing in revenue you have the opportunity to turn to money when you need it. To secure the funding that they needed, many of them relied upon one game changing solution — alternative lending.

These days, this solution makes it possible to skip the trips to the bank altogether and keep everything online. However, without the proper guidance, jumping into alternative business loans right away can be a very cost-effective way to help your business in a fast and easy way. That’s why here at Affinity Member Services, we’ve compiled a small guide on the best small business lending tips and tricks out there to help you expand your business with the support of alternative lending.

What Is Alternative Lending?

In a nutshell, alternative lending is a type of lending that takes place outside of a conventional financial institution, such as your local bank. Because of its flexibility and fast turnaround, it often has plenty of advantages that appeal to many budding small business owners. Without further ado, let’s take a closer look at the four most popular kinds of loans that most alternative lenders will provide.

A term loan is a lump sum that you’ll have to repay in four or five years, along with the annual percentage rate and any set terms considered. This allows you to have a weekly or monthly payment with a higher credit score.
A line of credit gives you the ability to tap into a determined amount of money whenever you need it, this gives you flexibility in times of need.
If you have to deal with unpaid invoices, then invoice factoring gives you the option of receiving an advance on those invoices instead of having to wait. As soon as your customers pay, then you’ll pay the loan back.
Alternative Capital lets you get an advance on future credit card, revenue or debit card sales to solve an immediate problem.

The Advantages

Whether you’re looking to do some business expansion or are just starting out, there are plenty of advantages that alternative lenders can bring to the table over other conventional options. For one, the application process is typically much simpler to fill out. Sometimes, it only requires as little as your digital bank statements to make it through the door.

That advantage also comes with a fast turnaround as well, both on the approval of your application and the provision of your funding. Whereas you might have had to wait months on end to hear back from the banks, alternative lenders can get back to you within a few days.

Finally, in terms of how you want to structure your loans, alternative lenders have more flexibility to package their financing options in ways that can best serve your needs.

Opportunities To Consider

In some areas, regular bank loans can actually beat what an alternative lender can provide. One of the main areas concerns the interest rate. In the application process, you’ll find that alternative loans usually have a higher cost but solves your immediate issue interest rate that tags along.

It’s also important to keep in mind that alternative loans are also mostly short-term to solve those business issues that a traditional bank could not solve with you in a short amount of time because the bank will want to have collateral on the loan and processing time can be as long as six weeks.

Final Thoughts

Now that you know the gist of what alternative lending is all about, you’re ready to do some serious business expansion and create a sustainable source of income. Here at Affinity Member Services. we function as a membership platform that allows you to network with other fellow small business owners. Whether you’re curious about alternative lending or not, our company enables you to learn more from each other and seek new opportunities to grow.

See How Much You Qualify For

The post Small Business Lending Is Back – Who’s The Right Alternative Lender To Choose From? appeared first on Affinity Member Services.

Grow Your Business And Beat The Competition With Affinity Member Services

ams — Wed, 08 Apr 2026 15:28:09 +0000

Affinity Member Services

Grow Your Business And Beat The Competition With Affinity Member Services

22

August
2021

Grow Your Business And Beat The Competition With Affinity Member Services

Introduction

Anyone who runs a small business will know how difficult it can be to handle it. At any given time, it can seem as if you’re only a few weeks away from disaster. This can relate to having problems getting customers, the need to buy goods or equipment, or simply not finding the motivation to continue going. Small business owners must routinely deal with these kinds of issues or something similar.

And when you look at it this way, it’s no wonder that many small businesses close within a year or two from the day of being founded. Many small industry players find it daunting to scale their business.

So What’s The Solutions To These And Many Other Problems You’re Facing?

While this might sound trite, the fact is that, you need to learn from other people who run small businesses. Moreover, you must network or make connections with other people who are running their own business. It will give you an edge over your competitors. Not only that, by doing this, you will highly increase your chances of running a successful business. In the good old days, you would join the chamber of commerce or any one of the dozens of associations for small businessmen. Unfortunately, in the 21st century, these types of business approaches are no longer relevant. The world has changed drastically over the last few decades. And that means these associations are old and outdated and cannot keep pace with today’s modern innovations in the business world.

That Is Where We Come In!

Affinity Member Services is a membership platform that allows business owners to meet and exchange ideas with each other. Our member channel is a private B2B networking platform. Our company enables members to network amongst each other and seek new opportunities, deals, and support, much required for their business growth. It’s also a great way to discover solutions to the business problems you’re facing. We like to think of ourselves as matchmakers for small business owners.

What’s More? You’ll also have access to our channel team. Here at Affinity Member Services, we also employ a wide range of business experts. By joining our platform, you’ll have immediate access to these experts. Our experts can help with whatever challenges you may be facing and can assist and guide you through the issues. They can also provide pieces of advice for positioning your business as the best in its field.

Along with that, we also provide a wide range of in-demand products and services that every business owner can utilize for the growth and development of their business. Some of these services include access to working capital, merchant processing, invoice factoring, and business text line.

But Why Do Small Business Owner Needs These Services , And How Can They Benefit You?

The reason why we offer the above services is simple! In our experience, these are often the most widely demanded tools for your business success. In addition to this, these are often the tools that many small business owners struggle to acquire. With that in mind, here are a few ways the above tools can increase your profits.

Merchant Processing

Your customers may prefer shopping via different payment modes apart from cash or UPI, such as credit cards or debit cards. Letting your customers know that you take non-cash payments is not as easy as putting up a signboard telling them you accept credit and debit cards. First, you must build a network with each card network provider and then set up the necessary processing equipment or software.

That’s where we come in and help you out hassle-free! When compared to traditional pricing structure, Affinity Member Service’s Cash Discount Program is much more profitable. It enables the business owners to leverage transaction fees on to customers if they pay using credit cards. A flat non-cash adjustment is applied in addition to the cost of goods and shown on the customer’s receipt. Our cash discount program helped severalhundreds of small business owners, saving up to six-figures per year.

Moreover, working with the right company to handle all your merchant processing is often a learning experience. After dealing with thousands of small and micro business owners, we learned most of them don’t have a clear idea about the processing fees being charged. These business owners are charged each day when they accept credit card sales.

Apart from that, we also helped small business owners in breaking down the processing charge and made them aware of various pricing models in the market. After signing up with us, the business owners are provided with plug-and-play processing equipment and the necessary signage to notify customers within the location.

Invoice Factoring

What is invoice factoring? In simple words, invoice factoring is a tool through which you can turn your unpaid invoices into a source of quick and easy capital. You might have observed many small businesses often have dozens and dozens of unpaid invoices. Depending on your business, you may even have hundreds of them. Another issue is that; small business owners often struggle to get paid. Many customers think that just because you’re new and work on a small scale, it is not mandatory to pay you. To solve these issues, here is a simple solution. Affinity Member Services is prepared to take the burden of these invoices off your hands in exchange for a lump sum of cash. This exchange is known as invoice factoring. This service has many benefits for your business. First of all, you get money immediately, instead of waiting for your customers to pay. We can provide you with a 24-hour turnaround, which means this service can be a profitable boon for small businesses owners. It provides you with immediate cash flow and allows you to carry on doing business hassle-free. It also means you no longer have to deal with problematic customers. Most importantly, our fees for providing invoice factoring is minimal. It means you can get paid up to 90% of your company’s invoices. All in all, it is a win-win scenario for us and our members and a big reason why small business owners choose to join our platform.

Business Text Line

One of the dominant factors in any business’s success is its marketing. If you don’t market your small business properly, you will find it tough to attract customers. Yes, you might still get a few, but not as many as you would need to achieve your business goals.

Unfortunately, most marketing channels are too expensive. It is true when you are advertising in the newspapers, on the radio, the internet, or even when you are simply handing out fliers. Many small business owners struggle to afford these marketing costs, which is why many of them struggle to make money.

Thus the solution is to find a pocket-friendly form of marketing that the small business owners can afford. One of the cheapest and most effective forms of advertising is text messaging. It means that it is possible to increase your reach in almost any type of market by using your phone.

To make this easier for small business owners, we provide something known as Business Text Line. It is essentially a service whereby you can text your customers to market to them your services directly. This way, you can build your customer list, stay in contact with clients, and do it at affordable costs to stay ahead in the competition with other businesses in your industry.

Working Capital

What is the one thing that every business needs the most? It is money! The problem is that finding capital can be extraordinarily difficult for most business owners. Even if you’re an established small business, it can become a huge challenge. That’s why we provide working capital services for businesses. With our working capital service, you get access to the required funding to scale up your business.

Our team can also assist you with government relief. Over the years, we’ve helped thousands of business owners get government relief funding such as Pay Check Protection Loans (PPP) and SBA Economic Disaster Loans (EIDL). We successfully helped our members get the grant funds available with the SBA Restaurant Revitalization Funding Program (RRFP) which was discontinued recently because of an overwhelming response.

This Is Just A Glimpse Of What You Will Get From Affinty Member Services

With our services, you can compete with big industry players, and also with corporations and Fortune 500s. With the decrease in the rate of COVID cases, the US economy is gradually reopening. So, now is the perfect time to upgrade and upscale your services and products. Consumers are desperate to get out of their houses and catch up on everything that they have missed out since the COVID outbreak. You’ll never have a better opportunity to build your business and experience the growth that you’ve always wanted. We can help you achieve these goals effortlessly. If this makes sense, then now is the time to join Affinity Member Services.

See How Much You Qualify For

The post Grow Your Business And Beat The Competition With Affinity Member Services appeared first on Affinity Member Services.

Affinity Member Services and Give Credit Partnership

ams — Wed, 08 Apr 2026 15:25:40 +0000

Affinity Member Services

Affinity Member Services and Give Credit Partnership

12

January
2024

Affinity And Give Credit Partnership – A Leading Provider Of Innovative Philanthropic Payments

We believe in a world where every payment serves a greater purpose, which is why we are thrilled to announce our partnership with Give Credit. This advanced platform offers Philanthropic Payments. Our collaboration represents a significant milestone in our commitment to empowering small businesses and fostering a culture of giving back to communities across the nation.

Redefining the role of payments

Imagine a place where every transaction, from a cup of coffee to a business purchase, contributes to a cause you believe in. With our multifaceted Merchant Processing Solutions, businesses can now seamlessly integrate philanthropy into their operations. Through our collaboration with Give Credit, your transactions can support your chosen non-profit causes, empowering you to make a positive impact while you conduct business.

A Shared Vision for Positive Change

Our partnership with Give Credit is driven by a shared vision to transform the way businesses approach payments and philanthropy. We believe that every transaction can have a purpose beyond profit, and through this partnership businesses can smoothly participate and merge charitable deeds into their operations.

Give Credit shares our commitment to social responsibility and believes that businesses have a unique opportunity to drive positive change in society. Their platform is designed to make philanthropy a core part of business strategy, encouraging businesses to make a meaningful impact while achieving their financial goals.

Empowering Businesses for Social Impact

Affinity Member Services is composed of payment professionals who are passionate about empowering businesses to make a meaningful difference in their communities. Our multifaceted Merchant Processing Solutions not only streamline transactions but also enable businesses to embrace donations seamlessly. Through our collaboration with Give Credit, we offer an advanced platform allowing businesses to donate a portion of revenue earned to non-profit organizations, amplifying their social impact.

Our payment solutions not only facilitate swift and secure transactions but also enable businesses to support causes they believe in. By choosing Affinity Member Services, businesses gain not only a trusted partner for payment processing solutions and more but also a valuable ally in their journey towards social responsibility.

Smooth Integration for Generous Effect

One of the key privileges of our partnership with Give Credit is that it adds a new dimension to our services, enabling businesses to effortlessly integrate philanthropy into their transactions.

With our seamless integration of various payment systems, businesses can continue processing payments without any disruptions. This guarantees a seamless shift for companies wishing to take a more socially responsible stance in their transactions. Businesses may concentrate on what they do best—managing their operations—while also contributing to changing the world thanks to this connection.

1. Philanthropic Payments

Our partnership with Give Credit ensures that businesses can adopt philanthropic payment solutions with a No-Cost Donations Program. We always assure a matched or reduced effective rate, Give Credit then donates 25% of revenue earned through processing payments to the charity of your choice on your behalf. We believe that businesses should be able to give back to their communities without incurring extra expenses, and our partnership with Give Credit makes this possible.

2. Free Additions

We conduct a free Cost Comparison analysis which provides a comprehensive breakdown of current fees from the prior processor compared to what Affinity Member Services can offer. Additionally, businesses can also save on equipment costs as we provide a free terminal with sign up. We also run monthly promotions which highlight free point-of-sale systems for numerous industries and point of sale credits that can be applied towards the cost which start at $1,500.00!

3. Easy Application and Boarding Process

Our application and onboarding process is developed to be quick and hassle-free. We understand that businesses need solutions that are easy to implement, and we are committed to providing a seamless process.

Empowering Businesses, Enriching Communities

The mission of Affinity Member Services is clear: to provide small businesses with the resources and technological investments they need to thrive. We believe that by empowering businesses, we can create a ripple effect that positively impacts entire communities.

Give Credit shares this vision by aiming to solve social problems through the amplification of charitable contributions. Their mission aligns with our belief that businesses can be a force for good in the world.

By partnering with Give Credit, we are not only offering our members access to innovative philanthropic payment solutions but also aligning ourselves with a company that shares our values. Together, we are working towards a future where socially conscious business practices are the norm, and businesses are empowered to make a tangible difference in their communities.

Our synergy with Give Credit’s mission means that when businesses use our services, they are not only improving their own operations but also contributing to a larger cause. Through our partnership, businesses can seamlessly integrate charitable giving into their everyday transactions, making philanthropy a core part of their business strategy.

Together, we are reshaping the way businesses approach their role in society, empowering them to be drivers of positive change. By combining our resources and expertise with Give Credit’s innovative solutions, we are creating a powerful platform for businesses to not only succeed but also make a meaningful impact on the world around them.

Start Making An Impact In Your Community Today!

The post Affinity Member Services and Give Credit Partnership appeared first on Affinity Member Services.

Affinity Member Services and Better Qualified Partnership

ams — Wed, 08 Apr 2026 15:25:36 +0000

Affinity Member Services

Affinity Member Services and Better Qualified Partnership

29

August
2022

Affinity Member Services and Better Qualified Partnership

Boost Your Business Credit with Affinity and Better Qualified – Improve Approval Odds and Secure Funding Today

Affinity Member Services has partnered with Better Qualified to assist small business owners that are looking to build business credit and build or repair personal credit.

A strong business and personal credit profile can improve approval odds for a bank loan and alternative lending for business owners seeking funding. While a low credit score may not immediately result in a denied application, 36% of small-business borrowers denied by creditors are turned down because of their credit scores. While another 30% are denied for new or insufficient credit history, according to a study by the Federal Reserve Banks of New York, Atlanta, Cleveland, and Philadelphia. If approved for funding, borrowers with low credit scores may receive higher rates and less favorable payment terms.

Affinity Member Services and Better Qualified have partnered to make building and improving business and personal credit easy. With one call, you’ll receive a free credit consultation and credit analysis with identifying solutions to improve your credit. Better Qualifieds simple, proven service is backed by a 30-day, 100% money-back guarantee and is effective in helping businesses reach their full potential.

Together, we can grow your business and personal credit to increase approval odds and become approval bound for financing.

Take the next step today to improve and build your business and personal credit! With Affinity Member Services and Better Qualified working together to help you manage and build credit, your business will reach its full potential.

See How Much Your Business Can Save!

The post Affinity Member Services and Better Qualified Partnership appeared first on Affinity Member Services.

Funding for Your Trucking Business

ams — Wed, 08 Apr 2026 15:22:51 +0000

Affinity Member Services

Funding for Your Trucking Business

17

August
2021

Funding For Your Trucking Business

Introduction

Trucking Companies mostly have had a difficult time accessing the much-needed funding options from funding companies. The objective at our company has become to advance capital that is competitive for funding trucking companies in order to handle their capital moves more precisely.

Most trucking companies are money ventures that have intensive high and low months resulting with cash flows fluctuating widely. The funding for truckers covers lots of expenses such as for instance within the numerous tolls, employing brand new drivers, expanding your current fleet and basic trucking upkeep costs.

We have been the leading funding company for trucking companies delivering large, mid and small vehicle funding for trucking businesses across the east coast and America for over 20 years. A lot of trucking companies have had a hard time getting the much-needed funding various financing organizations. Our objective is to put you in the right solution to help your company stay afloat and move forward with the right capital.

Why Work With Us?

Traditional financing organizations typically various documents and credit with extensive procedures to approve your trucking company. Our process is streamlined and efficient to move you through the application process to keep you on the road earning more money for your freight moves or if you’re transporting vehicles across the country. You want a funding partner to cut through the red tape to help you to get the much-needed capital very quickly to enable you to stay profitable to pick up extra-large freight loads. That why our application for the funding is quick, easy, and direct. As soon as we receive your, we are going to review the business, your performance and find the right financial solution to help your business in a matter of hours.

That Is Where We Come In!

It really doesn’t matter, or the right question is what is the right funding company to help your trucking company on a consistent basis to always have the capital you need. Then you will need the right loan facility you’re seeking to expand your fleet, automate your business, or open up new branches. First and foremost, with your company is dealing with a short-term situation where your books are not balancing, then these types of solutions we are offering for trucking loans can help you plug that opening. And et you on the right road to profitability.

Kinds Of Truking Capital

You simply need to think through four things when it comes to accessing the much-needed trucking capital for your business. That’s companies last six months of business banking statements, credit scores, credit utilization, and cash-flow.

The goal is to look at the health of your business, find the right solution and cash flow. Although the costs can run low or high, it’s still the smartest choice if you want the amount of money instantly. Finally, you may get a functional capital solution which will help you meet with the day-to-day costs that you run into with people slow paying you that can be taking care with a invoice factoring option.

How Eligible Are You For Funding Your Trucking Company?

Trucking can be a very satisfying yet high-risk industry. Which means that you can find really few lending organizations that are prepared to offer loans for truckers like your company. You can find a few things you can perform to help make your trucking business loan-worthy. First make sure that your insurance coverage is sufficient and updated for the vehicles, workers, and stock. Secondly, you have to be able to show your capability to settle your monthly invoices with no negative days on your bank statements. Additionally vital that the company happens to be running for a time because we usually do not provide loans for starting organizations, and then the businesses that are existing.

In the end you want to find the right funding partner that will work with you to find the right solutions to make you profitable but also grow with your funding needs for the foreseeable future.

The post Funding for Your Trucking Business appeared first on Affinity Member Services.

Determining if the Cash Discount Program works for your business

ams — Wed, 08 Apr 2026 15:21:02 +0000

Affinity Member Services

Determining if the Cash Discount Program works for your business

11

January
2022

Determining if the Cash Discount Program works for your business

Introduction

Cash discount programs are on the rise as they do away with the heavy credit card processing fees that small business owners have been accustomed to paying for years. Cash discount programs can help any small business increase profit margins effortlessly by eliminating credit card processing fees. Not only that, your customers can still pay with a wide variety of convenient options while you increase your sales and create big savings at the same time. But many small business owners are not even aware of its perks. The majority of them still pay for the credit processing fees from their own pockets. And with the growing usage of credit and debit cards, business owners find it difficult to save extra bucks. Keeping that in mind, let us find out if cash discount program works for your business and how it can eliminate your credit card processing fees.

What is a cash discount program?

Affinity Member Services has a cash discount program that offers help to business owners by leveraging the transaction fee to customers if they pay using credit or debit cards. The payment terminal or the POS machine automatically calculates a 3.85% Non-Cash Discount fee if the customer chooses to pay via card. Customers pay a small amount to compensate for the card’s processing fee, but they still get the same reward points for utilizing their credit cards in return. So if you’re a small business owner, with the cash discount program, you get to keep 100% of your sales amount.

Moreover, a cash discount program lets you offer a discounted price to your customers if they choose to pay with cash instead of credit or debit cards. The bonus point is- these savings are huge and can help any business that is currently paying credit card transaction fees.

Cash discount program better than traditional processing?

Majority of the traditional processing companies charge 2.8% – 3.5% each transaction to the business owner. Your customers don’t have to pay any fee but still get reward points. In the end, you only receive 96% of your sales amount.

But by using our cash discount program, our processing equipment charges a 3.85% processing fee on to the customer’s bill, still giving them reward points. And you get to keep 100% of your sales amount.

Save big with affinity member services’ cash discount program for credit card processing

At Affinity Member Services we provide affordable solutions to the hurdles a business faces in accepting credit card payments from customers

1. Free Terminal with New Account

Affinity Member Services’ cash discount program offers small business owners with free terminals for all new accounts. These terminals automatically add and reflect the non-cash adjustment of 3.85% on the receipts. Terminals are built with the latest technology that can process your payments at lightning speed, and protect you from fraud and data breaching. You can check out your customers’ purchases securely in just a few clicks.

2. Free Cost Comparison analysis

If you are planning to review a cash discount program but are not sure where to begin, then we are here for you. We at Affinity Member Services offer you free cost comparison analysis with other services to help you choose the best out of the lot. We understand the daily hurdles and obstacles small business owners face in their business. Nowadays, customers have also started acknowledging that owning a small business is not child’s play and do not mind paying a small fee when using a card.

3. Unlock Point of Sale (POS) credits

Your new merchant account can qualify for a point of sale (POS) credit towards equipment starting at $1,299. With these EMV ready point of sale, you can swipe, dip or tap your customer’s debit or credit card for their payments. We bet you will never miss a customer again because of inconvenient payment methods!

4. Easy Application and Boarding Process

With our efficient and user-friendly application process, small business owners can effortlessly get started and set up. Our team will help you at every step from application, equipment options, training on running payment types from EMV chip cards to contact-less payments. We also assist you in learning to process refunds or operate extra services like gift card programs.

5. Equipment financing available

We understand the financial hurdles faced while running small businesses. So to make the process seamless, we have come up with equipment financing solutions. We offer funds to purchase our equipment to small business owners which can be repaid in installments.

Final Words

Most small business owners and merchants bear the losses because the fees charged for credit card processing are high and getting higher all the time. During the Covid-19 pandemic, many of the customers were left with no choice than to get their orders delivered at home and pay via cards. So customers that have an urgent or mandatory need to purchase your product or service, for example, rent, utilities, gas, will appreciate more payment options. Also, customers using credit cards tend to buy more.

As we push forward to 2022, your customers might have also started realizing the unfortunate situation of small business owners. In such cases, a cash discount program can reduce the impact of the expensive processing fees.

Affinity Member Services will help you implement the best cash discount program. Contact us for a free consultation to help you save big and scale your business to new heights!

See How Much Your Business Can Save!

The post Determining if the Cash Discount Program works for your business appeared first on Affinity Member Services.