With the holidays and winter approaching, individuals need to be aware of alternative funding solutions when they find they are in need of quick cash, reports CaptainCash.ca

Vancouver, BC -- (SBWIRE) -- 11/06/2015 -- SeekingAlpha.com reports the decreased bank rates currently seen in Canada will trigger a recession, one that will harm the nation's middle class more than the United States middle class was injured in 2009, during that country's recession. In fact, they predict the Vancouver and Toronto middle class will find their property is now worth less than their debt. As a result, many individuals will find they need to change their holiday plans and that they may suffer financial difficulties during the winter months. Fortunately, captain cash helps individuals in this situation.

"Captain Cash functions to provide consumers with a solution to their financial problems, by offering a way to match the financial challenge being seen in the country. This option offers an alternative to traditional bank loans and, thanks to the money being deposited on the same day, enables a consumer to resolve their problems in a timely manner. In addition, individuals find these financial products are ideal when they need a cash boost during the holidays," the Captain Cash staff reports.

Individuals often worry about taking out a payday loan, as these products have received a great deal of negative attention over the years. The annual interest rate associated with these loans exceeds 600 percent, in most cases, and governments have taken notice of this. These financial products have generated unfavorable publicity, leading many consumers to look for payday loan alternatives.

"Captain Cash works with consumers to find a loan that meets their unique needs. Individuals applying for these loans must be 18 years of age and meet monthly minimum income requirements. In addition, they must be a citizen of the country, maintain a Canadian bank account and have stable employment history of a minimum of three months. In addition, other criteria must be met, such as the consumer needs to have a low short term debt ratio. This means he or she cannot have other payday or short term loans that are currently active," staff members continue.

Urgency dictates many individuals look for alternatives to traditional banks when they find themselves short on cash. A conventional bank loan takes time to process, as paperwork must be filled out and passed through the chain of command. When a person needs cash fast, they may not have the time required to allow this process to complete. For this reason, they turn to alternative funding solutions and desire ones with more favorable terms than payday loans.

"Consumers are no longer limited to payday lenders when they find themselves in this situation. A payday loan typically has a short repayment period, often less than 30 days. Thanks to new alternative funding solutions offered through Captain Cash, individuals find they obtain the funds they need and have more time to repay the loan. This ensures they don't end up in a vicious cycle, one that leads to continuous debt that they cannot seem to pay off. Look for alternative funding sources today, as the holidays are quickly approaching. Money is available for those who need it. It's simply a matter of knowing where to look," the Captain Cash staff declares.

About Captain Cash
Captain Cash recognizes their clients are their most valuable and appreciated asset, and all customer care associates are dedicated to making each transaction simple and effortless. The company functions as a brokerage service committed to finding cash loans for clients with both good and bad credit, with the mission being to meet and exceeds the needs and expectations of the client.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Customer service and user satisfaction are the goals for top Vancouver emergency loan firm states CaptainCash.ca

Vancouver, BC -- (SBWIRE) -- 08/31/2015 -- According to a report released by Bankrate.com, 26% of all consumers have no emergency savings. Furthermore, over the past four years, there has been very little progress in saving, with even those individuals who do manage to save not putting away enough. Banking statistics reflect as many as two-thirds of all people in the US and Canada do not retain the recommended six months worth of expenses in their savings accounts in case of emergencies. To this end, many individuals today find themselves turning to non-traditional means to secure funds; however, with a number of companies in the field from which to choose, consumers often have difficulty deciding which one to turn to. Often, the difference can be the small, subtle attention to details and dedication to customer service which make the difference to consumers.

Vancouver's top emergency loan provider Captain Cash is well aware of the need for top customer service and prides itself on this. The firm has, therefore, recently announced its new paperless application, a breakthrough in efficiency and part of their goal of total customer satisfaction. Their web site confirms, stating, "What we offer is unique: not a single paper document will be required from applicants. We accept e-signatures, and instant verification. By giving us a secured view-only access to bank accounts, it is possible to get approved for a loan without the painful process of providing a series of documents."

Exemplary customer service in the emergency loan industry is more important than ever states Captain Cash's top brass. Captain Cash confirms, stating they now have over twenty dedicated agents handling inquiries within a twenty minute time frame for Facebook messages and only a 1 minute answer time with phone calls. In fact, states Captain Cash, they've had 10,000 loan requests since June 25, 2015. "With a cash flow analysis to better assist customers, Captain Cash is geared toward complete customer service through highly reliable and trustworthy methods, including the founder actively handling customer services himself in order to make sure customers are delighted. We also have technology currently in development for customer service and tracking purposes. "

In the emergency loan industry, quick turn around is paramount. Captain Cash and their staff work hard to provide industry leading deposit times. According to their website, "We pride ourselves in providing applicants with quick and reliable service. Therefore, loans will be deposited in accounts on the same day of the application, as long as the application has been approved by 2 pm EST."

About Captain Cash
Captain Cash is a brokerage company dedicated to finding loans for clients with both good and poor credit. The firm prides itself on their amazing customer service, with a mission to meet and surpass their client's needs. With Captain Cash, it's quick, easy and simple to obtain a loan.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm