Merchant Funding

Merchant Funding FAQ

What Is A Merchant Funding (a.k.a Merchant Cash Advance)?

Merchant Funding is a financial product designed for small to medium-sized businesses that accept credit cards as a form of payment. Merchant Funding provides business working capital and is an alternative to a traditional business loan and other types of secured financing.

How Important Is Credit History/Score For This Program?

The business owner’s credit history will be reviewed as a part of evaluation, however it is by no means a deciding factor to qualify for this program. In other words, you may be approved even if your credit is bad.

Will I Need To Switch To A Different Payment Processor?

No! Merchant Funding works with a large number of existing credit card processors. But that’s not all! We can also set up an ACH directly from your checking account if that arrangement works best for your business.

How Much Money Can My Business Acquire Using Merchant Financing?

Typical amount ranges from $5,000 to $150,000. The actual amount depends on your average monthly credit card volume, among other things.

What Is The Interest Rate?

Merchant Funding is not a loan and the definition of interest does not apply to this product.  Your repayment amount and length varies depending on your sales.

What If I Need More Cash In The Future?

Merchant Funding works much like a line of credit.  The more you repay, the more you’ll be able to borrow.  For example, if you have initially taken out $100,000 and have repaid $20,000, you can borrow another $20,000 if/when necessary.

Who Do I Contact If I Have More Questions?

Please feel free to contact us.  We will be happy to answer all of your questions and go through possible scenarios.

I am Interested! What Can I Do To Get The Process Started?

Quickest and easiest way to start is to Apply Online. Alternatively you can request a callback using our contact form.

  • Cash For Your Small Business

    Merchant Cash Advance is a smart alternative to the traditional financing for qualified business owners. This flexible, responsive funding product turns future card sales into cash today. Unlike traditional loan applications, ours is a really simple process.

  • Facts About Merchant Advances

    A Merchant Advance is not a loan. Think of it as us investing in your business. We simply purchase some of your future credit card sales.

  • Quick & Simple!

    There are no checks to write and no possible late fees. Your business operates as it always does. Through an automated process, when you "batch" your credit and debit card sales, the processor automatically repays the agreed-upon percentage of receipts.

  • Risk Free!

    Apply for Business Cash Advances today and take advantage of the additional small business funding. Grow your business and enter the world of new opportunities.