
QUESTIONS?
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Need a Merchant Cash Advance?We will say YES when your bank says NO. Unlike SBA loans, Merchant Cash Advance is set up to evaluate your business quickly. In less than 24 hours we will present your business with several funding options to review. Our helpful staff will walk you through each opportunity, answering any questions a mindful business owner may have. Once a decision is made, Merchant Cash Advance will wire the funds directly into your business bank account. The working capital is used at the business owners sole discretion. |
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How it Works?
Merchant Cash Advance provides small to medium-sized businesses with working capital through a method called a “Merchant Cash Advance” or “Business Advance”. If your business accepts credit cards and has been open for at least six months, Merchant Cash Advance will simply pay you cash for a portion of your future credit card transactions. As your business continues to process credit cards, Merchant Cash Advance will get paid back through a small fixed percentage of your daily receipts. The payback percentage is flexible so the merchant decides how quickly the advance gets paid back. This is not a loan, therefore we do not require any collateral or personal guarantees.
How much financing do I qualify for?
Regardless of personal credit, your business may qualify for up to 150% of its average monthly credit card sales. For example, if your business processes $10,000 a month in Visa/MasterCard sales, Merchant Cash Advance can offer up to $15,000 of working capital (150% x $10,000 = $15,000). As your business continues to process credit cards, the $15,000 merchant cash advance gets paid back through a small fixed percentage of your daily receipts. The process to get a business advance is simple. There are no checks to write, payments to make, or worry of late fees. As you continue to do business, repayment is automatic!
Merchant Cash Advance: FAQ
- Q. How can I use the cash?
- Q. How does it work?
- Q. What kind of businesses qualify?
- Q. Does my credit history matter?
- Q. How much cash can I get?
- Q. How soon can I get the money?
- Q. Why should I choose Merchant Cash Advance ?
- Q. Will I qualify?
- Q. Do I need to change my credit card processor?
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A. Merchant Cash Advances are used 100% at your discretion. This has no factor in the funding process
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A. After your business is approved and receives its Merchant Cash Advance, we get paid back through a small fixed percentage of your future credit card receipts. You keep 100% of your check and cash sales.
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Q. What kind of businesses qualify?
A. Almost any business in any industry can qualify. If your business has been in operation for six months and is currently processing $5000 or more in credit cards sales per month, you are pre-qualified.
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Q. Does my credit history matter?
A. Though your credit history will be reviewed as a part of the qualification process, a Merchant Cash Advance is not a FICO based solution, so personal credit is not an automatic disqualifier.
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A. Merchant Cash Advance will fund up to $250,000 per location depending on your business’ credit card volume.
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Q. How soon can I get the money?
A. After completing the application you can expect cash in as little as 72 hours.
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Q. Why should I choose Merchant Cash Advance?
A. We look at all clients on a case by case basis, tailoring our funding programs to fit each unique need.
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A. If you have been in business for over a year and are currently processing $5,000 or more in credit card sales per month, you will qualify for a Merchant Cash Advance.
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Q. Do I need to change my credit card processor?
A. No. Merchant Cash Advance has a working relationship with many credit card processing companies. If you are comfortable with your current processing company, Merchant Cash Advance can provide multiple funding options.

