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BUSINESS OWNER:
Need money for inventory, cash flow, expansion or advertising? Want to avoid a lengthy loan process with hidden fees and no guarantee of approval? Merchant Cash & Capital can help. We offer working capital to small businesses just like yours.
It’s not a bank loan. It’s not a credit line. It is our investment in your business future. We advance you cash now. You repay it with a small, fixed percentage of your daily credit card transactions. You get the money you need to grow. You repay it out of that growth.
It is simple and straight-forward. No surprises. There are no gimmicks,
no strings, no restrictions on how you use your money. If you’ve been in business for more than a year, and process at least $4,000/month in credit card transactions, you can get the cash you need in as little as ten days.
Turn Your Credit Card Receipts Into Cash You Can Use Today. Regardless of your credit history, you may qualify for Merchant Cash & Capital funding. Once you get it, you may qualify for automatic renewals any time you need more cash. It’s virtually risk-free. Find out more today.
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The Application Process
- are a restaurant, retail, or service business
- process at least $4,000/month in credit card sales
- have been in business more than 1 year and have 1+ year remaining on your lease, and
- have no open judgments or bankruptcies
Simply click here to fill out an application.
A Funding Consultant will determine how much money you qualify for, based on your average monthly credit card volume, and will contact you within 48 hours to discuss our funding solution.
Should you decide to proceed, we’ll ask you for 3-months of credit card and bank statements, a copy of your lease, and a tax return or financial statement.
These documents will be submitted to our underwriting department for approval. Within 48 hours,
your Funding Consultant will contact you to discuss the specifics of our agreement. Merchant Cash & Capital will then deliver a contract to you before closing of the next business day.
That’s all. Just sign and return our agreement and, within a week, funds will be deposited
automatically into your business bank account.
Once you have capital to invest, Merchant Cash & Capital will begin collecting a small, agreed-upon percentage of your daily credit card sales until our agreement is fully executed. You never have to worry about writing a single check or paying a single late fee. You only worry about growing your business. The approved processing bank will transfer funds automatically and electronically, just as happens every day with
your credit card batches. In fact, your advance could be made whole without you even noticing!
Frequently Asked Questions:
- What can Merchant Cash & Capital do for my business?
- How can I use the cash?
- How does it work?
- Will I qualify?
- How long will I have to wait to find out if I have been approved for my cash advance?
- How much can I qualify for?
- How soon can I have the cash?
- Will I receive the same low rates as my current credit card processor?
- Will I be able to monitor the progress on my account?
- Who can answer my questions, or help me start the funding process?
- Question:
What can Merchant Cash & Capital do for my business?
Answer:
We offer you a way to improve your business for the future by accessing cash now. It’s not a bank loan, so you’re more likely to be approved, and your cash becomes available to you quickly.
- Question:
How can I use the cash?
Answer:
Use the cash any way you see fit. Customers typically use the cash to support or upgrade their business in some way. Maybe you need repairs or inventory. Maybe you would like to expand your present location or simply add a new
location. Better still, maybe you’d like to seize an opportunity in your marketplace before a competitor does.
- Question:
How does it work?
Answer:
The funding process is simple. Merchant Cash & Capital purchases your future credit card transactions and advances that money to you. After you have your advance, your processing back will deduct a small, fixed percentage of from your daily credit cards sales until the advance is made whole.
- Question:
Will I qualify?
Answer:
If you’ve been in business for over a year and process at least $4,000 in credit card sales each month, you are well on your way to approval.
- Question:
How long will I have to wait to find out if I have been approved for my
cash advance?
Answer:
Pre-approval is usually obtained
within 24-48 hours. Funding can take as little as 7 business days depending on the amount of the transaction and the time it takes to get the necessary documents required to fund.
- Question:
How much can I qualify for?
Answer:
Your monthly credit card volume will qualify you for $3,000 to $125,000. The amount of receipts purchased is determined by your average Visa/MasterCard volume over a 90-120 day period.
- Question:
How soon can I have the cash?
Answer:
After a complete contract is submitted
and approved, funding can happen in as little as 10 business days.
- Question:
Will I receive the same low rates as my current credit card processor?
Answer:
The funding process works through
your credit-card terminal so we may need to switch you over to our preferred credit card processor. We work with an outstanding organization that will match or may actually beat your current rates, and will make the transition virtually seamless.
- Question:
Will I be able to monitor the progress on my account?
Answer:
You can log on to the Merchant Cash & Capital website to view your account status online, and you’ll also get a statement each month.
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