Mad Rich

Through Advanta.com, you can easily and quickly apply for one of the business credit cards provided by Advanta. Advanta is a company that issues business credit cards and it knows what it’s like for small businesses. In fact, they started as a small business. Jack Alter, the company’s founder, established his enterprise in 1951 on only $30. His ‘bank’ was his extra bedroom. From then to now which has been 56 years, Advanta has grown to be one of the largest business credit card providers in the United States. And the best aspect about them is that they haven’t forgotten about the little guy; the mom-and-pop businesses that need a bit more help to get themselves established. Advanta.com is a resource that all business owners, whether big or small, should keep in mind.

What services does Advanta.com specifically offer in regards to their credit cards? The most popular service is their line of business credit cards. These are no different than regular credit cards. They often have an introductory APR of 0 percent, cash back or travel rewards and a 7.99 fixed APR. In terms of credit limit, this will depend on one’s credit score, but generally business credit cards offer more generous limits than personal credit cards because businesses have greater expenses than individuals. If you need a card that lets your business do the things it needs to do, then Advanta can probably help you out.

The other major service offered by Advanta.com is in the area of merchant accounts. What are merchant accounts? A merchant account is a special type of financial account which a business has to have if they want to accept credit cards. The merchant account available through Advanta is done through Express Merchant Processing Solutions, (also known as EMPS). This is a separate company that helps facilitate the processing of merchant accounts. Like their colleague they have been in existence for decades, helping small businesses get their foot through the door. EMPS offers 24-hour/7 days a week customer service, advantages in terms of credit card settlement, (including electronic deposits), fraud protection, loss prevention and a generally fast card authorization service. Their merchant account package even offers a free debit pin pad, a device in and of itself that could cost hundreds of dollars. Indeed, a business cannot lose if they decide to use EMPS. This is usually combined with a business credit card to create an unbeatable combination.

To apply for any of these services, all a person has to do is visit Advanta.com. From there they need to select the ‘Apply Now’ tab which is at the top of the screen. At this point the next step is to enter in very basic information, including the name of the business, the address of the business, the phone number of the business, the date of birth of the business owner and finally the business owner’s Social Security number. Once that data is entered in, (which should take no longer than a minute or so), the person clicks ‘submit’ and they’ll know within minutes whether or not they’re approved. It is important to note that in order to apply for a business credit card a person must have a legally-bound enterprise in existence. This entails getting a business name, a business license and any other licenses that might be required in that person’s state. If they do not have these things, they will be ineligible for any business cards, whether it’s through this company or at another company. It is for this reason if a smaller business owner hasn’t taken the legal steps necessary to get their business to the ‘next level’, they need to go on and do so.

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