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Chris Motola

Senior Staff Writer

8+ Years At Merchant Maverick

Expertise: Business Payments, Crytocurrency, Business Funding

Education: MS Interactive Media, University of Central Florida

Chris has been writing about small business topics since 2003. In 2015, he joined Merchant Maverick, where he writes about business financing, payment processing, and demographic trends in entrepreneurship. Chris has been featured in Fox Business, ABC News, Yahoo Finance, GoBankingRates, Newsweek, BizJournals, and other publications. He has a Bachelor’s of Arts in English Writing Arts from SUNY Oswego, and a Masters of Science in Interactive Media from the University of Central Florida. He currently resides in the Hudson Valley region of New York.

Merchant Maverick Archives for Chris Motola

Largest Payment Processors

A merchant acquirer is a financial entity, frequently a bank, that provides the settlement infrastructure for credit and debit card transactions. They also represent the backend of popular payment processing platforms like PayPal, Square, and Stripe, which in turn provide middleman services between the business and the merchant acquirer.

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Jan 16, 2024 Filed under: Data Reports

Best Emergency Business Loan Options

No matter how good you are at planning, it’s impossible to prepare for every possible emergency that may affect your business. Where do you look for an emergency business loan? Read on, and we’ll try to help you out. Here are seven ways to get business funding fast.

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Dec 19, 2023 Filed under: Business Loans

The Complete Guide To ACH Processing Fees

If you run ACH payments through your bank, you may pay lower fees. In fact, many of the best business banks offer no-fee ACH transfers. However, if you’re looking to integrate ACH payments into your sales processes or want to use their subscription billing tools, the convenience offered by a payment processor may be worth the additional cost.

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Nov 30, 2023 Filed under: ACH and Check Processing

What Are The Types of ACH Payments?

Automated Clearing House (ACH) payments power most of the bank-to-bank transfers in the United States. ACH is so common that many of us take it for granted, not realizing that the system is used to finalize credit card payments, for direct deposits of paychecks, and in check cashing.

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Nov 30, 2023 Filed under: ACH and Check Processing
benefits and drawbacks of ACH

What Are The Benefits Of ACH? The Pros & Cons For Small Business

ACH (Automated Clearing House) payments are one of the oldest ways to move cash between accounts. While most payment methods, including credit cards, are ultimately settled with ACH transfers, it’s much less common for small businesses to make more direct use of them.
While there are many advantages to using ACH, this payment method won’t be a good fit for every small business or for every transaction. Let’s take a look at some of the pros and cons of ACH payments.

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Nov 30, 2023 Filed under: ACH and Check Processing
woman sitting at desk looking at a business line of credit

The 6 Best Unsecured Lines Of Credit

Every small business has different needs when it comes to capital, so the best unsecured line of credit for one company may differ from that of another. While you always want to minimize the cost of borrowing in terms of interest rates and fees, you’ll also want to keep in mind whether your needs or long- or short-term, and how quickly you need access to your money.

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Aug 22, 2023 Filed under: Business Loans

Best Commercial Construction Loans

When searching for a great commercial construction loan, you’ll want to keep in mind the size of the project, how quickly you need funding, and the resources you have available to use as collateral or downpayment. For many small businesses, an SBA 504 loan will be the best option for major construction projects. Others may be better served by bank loans or alternative loans.

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Jul 10, 2023 Filed under: Business Loans
commercial property loans

Best Commercial Real Estate Loans

While commercial mortgages have lower interest rates relative to other types of business loans, they are generally more expensive than comparable residential mortgages. This reflects the higher risk inherent in commercial development.

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May 9, 2023 Filed under: Business Loans