A business cash advance allows you to borrow against your future debit card and credit card sales rather than using your personal credit or collateral. A fixed percentage is deducted from your business' debit card and credit card sales for repayment. All other revenue earned through cash, cheques or other cards are untouched. Repayment occurs automatically and follows your business revenue flow. There are no bank loan repayment schedules, no fixed monthly payments, no fixed repayment timeframes, and no penalties for late payments.

• No Hassle, quick application and funding.
• Fast, easy and convenient cash advance approval process.
• No collateral or equity required like a small business loan.
• No restriction on use of funds.
• We get paid when you get paid.

Our business cash advance product is a revolutionary way to acquire business financing. It is NOT a business loan with repayment schedules, late fees or any typical loan restrictions. A business cash advance is based upon your future debit card and credit card sales. We take a previously agreed percentage of your future debit and credit card sales. It's faster, more convenient and easier than a small business loan! You sell us a fixed dollar amount of your future debit and credit card sales at a discount. Through an automated process, we retrieve a fixed percentage from each sale. The percentage we retrieve from each sale is fixed for the life of the funding---we get paid when you get paid.

Q. How quickly do I get the business cash advance?
Once approved, a cash lump sum is available to you within as little as seven business days. The average time from contact through approval' to receipt of cash is under 10 to 14 working days.

Q. How do I qualify for a business cash advance?
To get a business cash advance from Vars Investment Group Inc. you need to fulfill just five conditions:

• You run a business that accepts debit card and credit card as a form of payment.
• You process a minimum of $5,000 per month.
• You provide 3 months if business is not seasonal and 12 months if business is seasonal of past debit/credit card statements and bank statements.
• You have been operating your business for over 2 years.
• Canadian Businesses only

And don't worry about your credit rating. We issue business cash advances regardless of credit ratings. Approximately 95% of our customers who applied for funding have been accepted. The only sure way to find out is by submitting an application.

Q. How much money can I get from a business cash advance?
If you're approved, you can receive a lump sum cash advance of $1,500 to $100,000 depending on your situation. If you meet the qualifications and apply for a cash advance, the next time you look, you could have up to $100,000 cash in your checking account!

Q. What can I spend the lump sum cash advance on?
Unsecured business cash advances are offered with absolutely no strings attached and the borrower is free to spend it the way they find suitable. Recent customers have used the lump sum cash outlay for:

• Funding a new business start-up.
• Supplementing working capital requirements
• Settling debt payments
• Purchasing new equipment
• Performing store or office renovations
• Increasing product line or add seasonal merchandise
• Covering unexpected expenses

A business cash advance is a revolutionary method to finance your business needs. Remember- it is not a business loan. So there are no loan payment books, no haggling with people who don't understand your business, no payback deadlines and no scary collateral obligations. You decide how to use the cash to make your business move forward.

Q. What is the payment percentage rate on this type of business funding?
We collect a percentage of your daily debit/credit card sales. The exact percentage varies by customer and is determined by variables including the size of the cash amount you're requesting, the estimated time of distribution, your business history and your monthly debit card and credit card sales.

Q. Is it going to cost me to apply for this type of small business financing?
No -- the application is free. The sooner you get your application in, the quicker we can get back to you on the amount of money we will be able to advance you.

Q. What's the difference between a secured business loan and a business cash advance?
A traditional small business loan requires a written loan proposal resulting in time-consuming work and funding delays. They involve strict monthly repayment schedules regardless of your monthly business revenue flow. A business cash advance is funding provided against the monthly credit card sales volume to facilitate the instant availability of cash for a small business.

Q. What is the repayment period for the business cash advance?
Since this is not a business loan, there is no monthly payment schedule. We calculate a repayment plan based on your future debit card and credit card sales projections then we partner with you to determine your optimal payment. We get paid only when you get paid.

Q. Do I need to change debit/credit-card processors?
Yes. You must switch to our processor to receive the business cash advance. We will try to meet or beat your current debit/credit card processing cost structure.

Q. How complicated is the paperwork for a business cash advance?
The paperwork that you will need to fill out is quite simple and takes no more than ten or fifteen minutes to complete. We have Funding Specialists on hand in our contact center to help you through this process. Just call us at 1-888-816-8141 with questions.

Q. How easy is it to get approved by Vars Investment Group Inc.?
It is a lot easier and faster than a typical bank loan. We understand the reality and the hardship of owning and operating a small or medium size business. We understand the need for fast turnaround. We also know that "Cash is King.”

Q. Will bad credit affect my business cash advance request?
It is not necessary for you to have good credit to receive a business cash advance. A poor credit rating, including delinquencies, will not normally influence a cash advance. The best thing to do is complete an application and find out! Over 95% of applicants receive a business cash advance from us.