Business Financial Services, Inc ( BFS ), based in Raleigh, NC with sales and marketing offices in Coral Springs, FL provides cash advances to its customers through accounts receivable financing, utilizing a merchant 's cash stream from credit card sales as a means of automated repayment. It is our mission to provide $100 million in funding to restaurants and retail establishments over the next twelve months. Our Clients benefit from a broad range of business experience and industry knowledge, working with our specialized Funding and Small Business Advisors. BFS 's core business provides receivables financing to restaurants and small retail businesses with strong cash flows from credit card transactions that can 't finance their business development and expansion through traditional financing. A merchant that meets our underwriting requirements receives a business cash advance up to $300, 000 payable over a six-month period with payments withheld directly from their credit card sales. BFS purchases credit card receivables from the restaurant or retail store at a discount. The merchant is Advanced this purchase and BFS collects payments from a percentage of their credit card transactions for until the advance plus factor rate is repaid.