Is your business growing?   Do you need cash to help propel you to the next level?  Or do you need working capital to cover expenses such as payroll or inventory?  Getting cash from traditional financing institutions can be difficult for many businesses.   We offer our customers various options to fund and grow their business through our Merchant Cash Advance Program.

How does the Program work?

An agreed upon portion of your future sales are purchased.  In other words, you are advanced cash based on your future credit card sales - Visa® and MasterCard® sales, and in some cases Discover® and American Express® sales can be included.

To repay the advance, a small percentage of your future credit card sales volume is deducted until the repayment is complete. Your cash advance is based on future anticipated credit card processing volume. There are no fixed monthly payments; again, a portion of your monthly credit card transactions is deducted until your advance is paid back. 

Using a percentage of sales allows the payment to fluctuate with sales - decreasing if sales are down and increasing if sales are up making the repayment process more manageable.

Any restrictions on how I use the money?

You may use the money for any business purpose including:

How much money can I get?

Funding is based on your most recent 4 -6 months credit card sales average.  The advance can be up to 90% of those sales and may range from $5,000-$1,000,000. Again, the actual amount is based on your average monthly credit card sales volume.  And, after the initial term, the cash advance funding can be renewed for another term.

How quickly can I get the money?

The application approval process takes between 24 and 48 hours.  Once approved funding is generally within 3 to 7 business days.