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Funded to small businesses since 2005
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FAQS
Why should I choose Capital for Merchants?
We offer a simple application process, funding in as little as 24 hours, no restrictions on usage, and a variety of pay back options. Plus, we have been a direct funder since 2005, making us a pioneer in the industry. With the help of our expertise, you can realize the company you have always envisioned.
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How much does it cost to apply?
There is no cost to the merchant until they are approved and the advance is funded. Once funded, there is a nominal application cost that is deducted from the advance. And with Capital for Merchants, you can expect to pay some of the lowest factor rates in the industry.
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What information will I have to provide with my application?
Our application process is straightforward, and asks that you provide some basic information on the ownership of the company, the advance needed, history of the business, and its banking relationship. That’s it. We aim to make the process smooth so that you can get the money you need fast.
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Can I take out another advance?
A merchant is eligible for an additional advance once they have paid back 50% of their current advance. We always welcome a chance to offer a renewal to our loyal customers.
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How much cash can I get?
Capital for Merchants will fund up to $1,000,000 per location depending on the sales volume of your business.
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How soon can I receive my funds?
We offer an easy application process with same day approvals, and funding in as little as 24 hours.
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How do I pay back the advance?
You can elect to use an ACH debit amount or a percentage of your daily credit card sales as your payback option. Don’t forget, Capital for Merchants offers flexible payback durations so you can choose a timeframe that works best for you.
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Get to know Capital for Merchants
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Ways To Use Your Merchant Cash Advance
GLOSSARY
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
Accounts Payable
Money which a company owes to vendors for products and services purchased on credit.
Accounts Receivable
Money owed to a company by a customer for products and services provided on credit.
Address Verification
A service in which the merchant verifies the card member’s address, primarily used by Mail, Telephone and Internet merchants. AVS does not guarantee that a transaction is valid.
Address Verification Service
Optional service that helps protect against fraud by verifying the identity of the person claiming to own the credit card. The system will check the billing address of the credit card provided by the user with the address on file at the credit card company. AVS does not guarantee that a transaction is valid.
Amortization
Gradual repayment of debt in the form of regular payments. The term is used for two separate processes: amortization of loans and assets.
Articles of Incorporation
Document filed by a corporation’s founders with the U.S. that states all facets of business including purpose and place of business. Also known as a charter.
Bad Debt
Amount owed by a debtor that is unlikely to be paid due, for example, to a company going into liquidation.
Balance Sheet
A financial statement showing assets, liabilities, and net worth as of a specific date.
Bankruptcy
A federal legal status of a person or other entity that cannot repay the debts it owes to creditors. In most jurisdictions, bankruptcy is imposed by a court order, often initiated by the debtor.
Break Even Point
The point at which cost or expenses and revenue are equal.
Capital Asset
Tangible property held by an assesse that cannot easily be converted into cash, examples include: real estate, equipment, etc.
Cash Accounting
Records revenue when cash is received, and expenses when they are paid in cash.
Cash Flow
Movement of money into or out of a business, project, or financial product.
Collateral
Assets pledged to secure repayment of a loan.
Current Liabilities
A company's debts or obligations that are due within one year.
DBA
Doing Business As.
EIN
Used to identify a business entity to the Internal Revenue Service. Also known as Federal Tax Identification Number.
Equity Financing
The difference between the value of the assets/interest and the cost of the liabilities of something owned.
Factor Rate
The one-time, non-compounding cost of capital or money advanced.
Fiscal Year
A 12-month period used by a government, business, or organization to calculate how much money is being earned, spent, etc.
Foreclosure
Legal process in which a lender attempts to recover the balance of a loan from a borrower who has stopped making payments to the lender by forcing the sale of the asset used as collateral for the loan.
Grace Period
A time past the deadline for an obligation during which a late fee that would have been imposed is waived.
Guarantee
If the debtor fails to settle a debt, the bank will cover it.
Invoice
A document that shows a list of goods or services and the prices to be paid for them.
ISO
Also referred to as a Merchant Member Service Provider, a type of Member Service Provider (MSP) that supports a member’s acquiring program by soliciting merchants and presenting the member merchant agreement.
Joint Venture
A business agreement in which the parties agree to develop, for a finite time, a new entity and new assets by contributing equity. They exercise control over the enterprise and consequently share revenues, expenses and assets.
Key Person Insurance
Life insurance on the key person of the business. In a small business, this is usually the owner, the founders or a key employee or two. These are the people who are crucial to a business--the ones whose absence would sink the company.
Liability
A current obligation from past transactions or events.
Lien
A form of security interest security granted over an item of property to secure the payment of a debt or performance.
Limited Liability Company (LLC)
A legal form of a company that provides limited liability to its owners in different jurisdictions.
Line of Credit
Credit source extended to a government, business or individual by a bank or other financial institution.
Market Value
The price at which a security currently can be sold.
Mortgage
A legal agreement in which a person borrows money to buy property (such as a house) and pays back the money over a period of years.
Note
A short-term debt security, usually with a maturity of five years or less.
Overhead
Ongoing expense of operating a business; it is also known as an "operating expense".
Partnership
A business organization in which two or more individuals manage and operate the business. Each are equally and personally liable for the debts from the business.
Payee
The party in an exchange who receives payment.
Payor
The one who must make payment on a promissory note.
Profit and Loss Statement
A financial statement that summarizes the revenues, costs and expenses incurred during a specific period of time.
Promissory Note
A financial instrument that contains a written promise by one party to pay another party a definite sum of money either on demand or at a specified future date.
Power of Attorney
A legal document giving one person the power to act for another.
Quantity Discount
A discount a company charges in exchange for the purchase of a large number of units.
Rate of Return
The gain or loss on an investment over a specified period, expressed as a percentage increase over the initial investment cost.
Rebate
A return of part of the original payment for some service or merchandise.
Simple Interest
Interest calculated as a simple percentage of the original principle amount.
Sole Proprietorship
A business owned by a single individual.
Time Value of Money
The idea that a dollar today is worth more than a dollar in the future. [The dollar received today can earn interest up until the time the future dollar is received].
Title Insurance
Insurance policy that protects a policyholder from future challenges to the title claim a property that may result in loss of the property.
Trade Discount
Amount by which a company reduces its price per unit when selling units (usually in large quantities) to a reseller.
Variable Cost
Costs that fluctuate in proportion to the good or service that a business produces.
Venture Capital
Capital invested or available for investment in the ownership element of new or fresh enterprise.
Think about it. The choice is simple - go with a Capital for Merchants cash advance.
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