Genie Cash has been operating for many years as a viable funding alternative to obtaining a small business loan. Genie Cash is an on-line business to assist those people who are looking for money to help them to grow their businesses, but who are uncertain of whether a small business cash advance is a product they can utilize. A small business cash advance, also known as an internet merchant account, is specifically targeted for restaurants, retail businesses, mail/telephone order merchant accounts, wireless/mobile merchant accounts, and home-based businesses, which are currently accepting five thousand dollars in Master Card and Visa sales every month from their customers.

Genie Cash is not offering a small business loan or a personal loan of any description. It does not supply start-up capital funding to begin a new business venture. Genie Cash is not offering an internet merchant account for those merchants who do not accept Master Card or Visa cards. The internet merchant account product from Genie Cash is not a small business grant or a government grant program. A business cash advance or internet merchant account is a financial services product providing cash to merchants in exchange for a small portion of their future Master Card and Visa sales income. What it actually means is that Genie Cash buys prospective Master Card and Visa credit card sales and provides cash to merchants, which can be immediately utilized. To gain access to the cash, merchants should agree to repay a fixed sum or fee above the amount advanced to them.

Genie Cash recognizes that cash flow is increasingly important to the owners of small and medium-sized businesses. In order to qualify for an internet merchant account from Genie Cash, an applicant must be in the retail, restaurant, or other service industry and already accept five thousand dollars a month in Master Card or Visa credit cards from customers. Merchants must also have been operating their business for at least one year and have been accepting Master and Visa cards for at least five months, and have a minimum of one year left on their lease. A merchant wishing to benefit from an internet merchant account should have no open bankruptcies or judgments against them or their businesses. Genie Cash will look at merchants' past Master and Visa card sales history, which will indicate the prospects of future success and then go to work to ensure that the merchant receives help by making it simple to gain access to the cash they require.

Genie Cash is aware that having access to an internet merchant account has always been a difficult process for small businesses with a limited trading history. Merchants may wish to increase their stock, need to launch an advertising campaign, need cash for business expansion, or as working capital. An internet merchant account with Genie Cash only takes, on average, six months to repay, whereas some bank loans are repaid over a period of three to five years. A quick application with approval given in twenty-four hours can mean cash wired directly to a merchant's bank in as little as five working days, and the process does not show up as a debt or loan on credit reports.