Solutions Looking for a Problem...

This smells suspiciously like a site you might be behind!

Indeed, SEOBook.com is my site. And these are my words.

Very good. Terms like cash flow management, factoring, etc. come to mind. I remember reading somewhere the key to making money in the banking business was to find a lending area where the perceived risk was higher than the real risk - FOR YOU. Then you could charge high rates for funds without large losses. It also provides a wonderful opportunity to encourage competators to loose their shirts trying to copy you :)

It appears to me that they are trying to cover the period that passes between the click on your ad and the actual purchase. Depending on the product this might be 90 days or so. Plus the payment does not necessarily clear immediately.

That being said, I personally am not much for taking out loans, but it can be part of a business strategy.

I wonder what kinds of business they would pull?

I surely don't want future clients breathing down my neck for immediate results so they can pay the vig. That may be a first question to ask my prospective clients. "Have you ever heard of...?" :)

I think everyone here is missing the point. In order to advertise on a site like Google, you need to have enough 'credit on your credit cards' or 'money in the bank to do so'. I think this program will 'advance' you the money so you are able to advertise at the levels you need to in order to generate sales.

LOL... I had to laugh at this because just recently I had a potential SEO client approach me who was a payday loan company. I don't really have a lot of respect for them in the first place.

I certainly wouldn't want to loan my own money out to people who have problems paying bills on time... its an industry I don't know too much about I guess.