Merchant Lending: A Lucrative Alternative to Bank Loans


An inability for small businesses to gain loans from banks has given rise to merchant lending: a product with no fixed term credit that can be paid off daily through the business’s EFTPOS terminal meaning improved cash flows for business owners.

An analysis of the Australian Prudential Regulatory Authority’s(APRA) lending data reveals the total amount of business loans owed to Australian banks at $570 billion is only marginally above the amount owing on investment . . .

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