Merchant Cash Advances

Do you need working capital?

How would your business change if you had access to more working capital?

Would you expand? Remodel? Buy new equipment? Increase advertising?

If you need working capital now, consider leveraging your future credit card sales with a Merchant Cash Advance (MCA). This program gives you access today to credit card payments you’ll receive in the future.

How does a Merchant Cash Advance work?

A Merchant Cash Advance provides a fast, easy way for businesses like yours to gain access to working capital by tapping into their future credit card sales. Here’s how it works:

  1. Your business enters into an agreement with an alternative funding provider to sell a portion of your future credit card sales at a discount to the provider.
  2. In return, you receive a lump sum cash payment for the agreed-upon amount. You now have working capital in hand!
  3. A specified percentage of your business’ credit card sales are automatically remitted to the alternative funding provider each day, until the cash advance is paid out.

It’s a relatively quick and easy process. Statements can viewed online at any time.

Who can benefit from a Merchant Cash Advance?

Any business owner who wants to access capital quickly should consider this program. It enables you to obtain much needed working capital based on the potential of your profitable business. Any credit-worthy but underserved business can access capital without the time, documentation, and availability issues that are associated with a traditional loan. There are no complicated applications to fill in, no application fees to pay, and no checks to write.

What are the benefits of a Merchant Cash Advance?

Any qualifying business can realize these benefits:

  • Fast funding in as little as 5-10 business days
  • High approval rates
  • Minimal documentation requirements
  • Unlike a loan, no fixed payment schedule

Take advantage today!

Your Higher Standards advisor can refer you to an alternative funding provider that offers a variety of Merchant Cash Advance programs. This referral relationship allows you to benefit from Higher Standards’ operational expertise in providing payment processing solutions, in addition to the alternative funding provider’s leading-edge funding capabilities and Merchant Cash Advances program.

The Merchant Cash Advances referral process is simple and involves no obligation or fee. Just present your last four credit card processing statements (showing a minimum of $2,500 per month) to your Higher Standards advisor. Your advisor with then assist you with the referral process.

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Credit card processing

Choose the best and most affordable processing solutions for your business.

Ecommerce processing

Grow your business with safe and affordable online payments.

B2B payment processing

Realize significant savings on Level 3 transactions with other businesses.

Electronic check & ACH payments

Accept electronic check and ACH payments quickly and securely.

Merchant cash advances

Tap into future credit card sales to gain access to working capital today.

Gift cards & loyalty cards

Offer gift cards and loyalty cards online and at point of purchase.

Processing for K-12 schools

Accept credit and debit cards for school meals, events, and fundraisers.

Give Back Gateway for non-profits

Software and processing that let churches and non-profit organizations accept online donations.

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Integrated payment solution for city and state governments, school districts, childcare centers, athletics, and more.

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Kiosk hardware for self-service ordering and payment.

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Virtual terminals that run on your own computers, plus shopping carts for ecommerce.