A big part of that is financial security. Happy Rock is committed to yours, to serving the needs of entrepreneurs. This is because Happy Rock was built by hard-working entrepreneurs just like you.
We are a team of experienced financial professionals that can be a vital part of your team as you build your business. We know the challenges. And we know banks are often unwilling to help. They demand business plans, personal guarantees, collateral, tax returns and personal financial statements. Then they take weeks or months to process your application. Rather than help, all this only gets in the way and costs people like us, the hard-working entrepreneurs, our most valuable asset: time. And it’s usually at a time when we need cash and need it fast. That is why we, small business owners just like you, founded Happy Rock.
If you have operated your business for at least six months and you process over $5,000 per month in Visa, MasterCard, Amex and/or Discover credit/debit card receipts, you are eligible for our cash advance financing. Because we respect such a track record. We know that the odds against such success are daunting. But unlike bankers who have never built a business, we value such success and trust it. Like you trust yourself.
That is why we let you leverage the value of your credit card sales simply, quickly AND intelligently. Because working with us, you won’t be handed to a third party, because that raises your cost, takes more time and often damages your credit rating as middlemen become involved with your application.
With Happy Rock, you avoid all these risks. You avoid all the hassles and the costly delays they involve. That’s because we fund you directly. You deal only with us, hard-working business people just like you.
Our terms are simple. We collect a small daily percentage of your future credit card receipts. Unlike banks and other lenders, the rates don’t change. Because what we’re really doing is betting on you. Your continued success is our only guarantee to get our money back, not your home or prized possessions. In effect, we’re partnering with you for a while, giving you the cash you need and the trust you deserve. But unlike a new equity partner, we let you keep total control. Because you know your business best.
Our foremost concern is your success. Because only that will lead to ours. When you succeed, we do.
So whether you need funds for expansion, working capital, advertising, remodeling, to be prepared for contingencies or to buy out a partner — whatever your business needs — trust Happy Rock is here to help you. Because we’ve been where you are. That’s why we know the importance of your business — to you, to your life and to the success of our economy. After all, entrepreneurs are the ones who’ve built it. — Us.
Our Mission: Your Success
We see our mission as amongst the most vital, especially now: to serve small business. The giant banks may be too big to fail, but we, hard-working entrepreneurs, are not. That’s why we started Happy Rock, in the wake of the 2008 financial meltdown. Because more than ever, small business needs help. And Happy Rock is just that, a small business, funded not by Wall Street, but successful small businesses with a singular aim: seeing fellow small businesses like yours not only survive, but succeed and thrive.
The times may be tough, but opportunities abound, especially if we band together. That is why Happy Rock is committed to being more than a financier. We’re committed to being a friend, to building not just a financial company for small business, but building a bank of what is often more important than finance — information — and building what is more important than ever, a community. To do this, we have launched the Happy Rock website and will feature an interactive blog which we will build as a resource bank for fellow entrepreneurs, where we will not only address the important issues small businesses face, but offer a forum for discussion. Got a question, we’ll do our best to help you answer it. Our goal is to help you, by not only offering finance, but building an online community about building a successful business.
Happy Rock Merchant Solutions, LLC is a California Licensed Lender. Lender Number 603J749.