_{Welcome to Merchant’s Cash}

MerchantsCash has helped thousands of merchants all across the country with our Business Cash Advance programs.  In as little as 24 hours we can put cash into your business bank account which you can use for whatever purpose you see fit. 

Many restaurant owners have used our cash to renovate and expand, bringing more customers to their tables and growing their profits.  Countless retail store owners have used our business funding to purchase inventory.  When the air conditioning unit died in a large catering facility, we were their to provide the owner the cash he needed to replace it and keep his hall packed. 

Call one of our funding specialists today to learn how we can help you get through a rough patch or bring your business to new heights.

Unlike many merchant services providers, MerchantsCash is tired of seeing hard working business owners punished for accepting credit cards from their customers.  Many owners still hold out on accepting credit cards due to the expense associated.  Those days are in the past, every day we help merchants begin accepting credit cards at rates which allow them to use their credit card machines as a tool to grow their business, not as a mechanism to hurt their bottom line. 

We offer the latest in equipment and top notch 24/7 customer service as well as some of the best rates in the industry.  If you are not currently accepting credit cards we can help get you set up without the punishing rates that most merchant service providers charge.

Already accepting credit cards? Call one of our specialists and learn how with simply providing a current statement we can provide, at no cost to you, a free rate analysis and proposal of how much money we can save your business.

There is no obligation - just sign up and one of our friendly merchant advance specialists will call you back the same day!
Please give us a little information about yourself and your business.

Frequently Asked Questions

• How do I qualify for funding?
• How long does the approval process take?
• If approved, how long before I will be funded?
• How is your program different from a bank loan?
• What interest do I pay on the amount of my funding?
• How do we, as the merchant, pay out of our future sales?
• How much funding can I qualify for?
• Do I have to change to a different credit card processor than the one I now use?
• What financial information am I given?
• What am I allowed to do with the funds I receive?
• What percentage of applicants qualify?
• How are you able to provide this funding when banks or other funding sources won’t do so?
• What obligations do I undertake once I qualify for funding?

The criteria for qualification are very simple:  we want to verify that you have been in business for at least one year, that you have positive trade references, and, that if you lease space the lease has at least one year of remaining term.  We also want to verify that you are current on your rent or mortgage.  We also need to see a report of your past four months of credit card receipts.

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We can generally approve funding within 48 hours of the application.

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We generally wire the money within 24 hours of approval.

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Our approach to funding is completely different from a bank loan.  First, we are not lending money but instead we purchase future credit receipts from you.  Essentially you are selling an agreed amount of your future Visa and MasterCard sales.  There is no loan to pay off, no checks to write, and no late fees.  Second, most bank loans require personal guarantees (so all of your personal assets are at risk), audited tax returns, and extensive additional documentation.  We don’t require any of these.  A bank loan also will involve significant upfront fees such as points, legal fees, filing fees, and other costs.  There are no fees of any kind associated with our funding.  Third, most banks will be wary of funding a business that has only operated for one or two years or even more.  We only require that the applicant has been operating for one year.

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Unlike a bank, we do not charge a set rate of interest.  Rather, depending on the facts of your application, we determine how much of your future sales we are purchasing to cover the funds advanced and a return for us.  We take the risk that your business will continue to generate sufficient sales over a period of time for us to collect the amount of sales we have purchased.

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Your credit card processor will deduct an agreed percentage each month from your Visa and MasterCard sales.  We show you upfront what percentage is deducted until we are paid the amount of future sales agreed to.  Typically, based on your credit card sales history, we try to set up a program in which our purchase of credit card sales will be completed in six to seven months.  The actual time could be sooner or later than this depending on the volume of your sales.  You retain 100% of sales in the form of checks, cash, and credit cards other than Visa and MasterCard. 

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The amount of funding we will advance is determined by an average of your monthly credit card sales.  The funding we provide may be as little as $5,000 or as much as $175,000. In addition, if a business has multiple locations, the amounts above can apply to separate locations.

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You will have to change if you are not currently processing with one of our processors who are set up to work with our funding program.  However, we generally find that we are able to reduce your processing costs and give you significant savings as an added benefit.  You will not have to change any processing equipment as this can be reprogrammed in a short phone call.

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We provide our merchants with a monthly report showing how much has been deducted each month and the balance that is due. 

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The answer is you can use the money in any way you desire within your business.  Our merchants typically use funds for purchasing inventory, capital improvements and expansion, payroll, purchasing advertising at a discount, paying off debt, and many other related uses.

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Our history shows that our approval rates run over 90%.

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Our niche in the market is the small to medium businesses that often falls under the radar of most institutional lenders.  The reason we can take the risk of funding a smaller business that banks will refuse is because we are focused on the reliability of your future sales and try to match our funding to a reasonable expectation of the continued success of your business.

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