25+ YEARS OF TRUSTA DIVISION OF MERCHANT SERVICES OF AMERICA

Capital Now

Capital that moves at the speed of Main Street.

Fast working capital for the shops, restaurants, salons and trades that keep America running. You repay as you sell, so a slow week never breaks you.

Merchant Services of America equipment including a touchscreen terminal, card reader, receipt printer and trust seals
Merchant Services of America payment equipment and trust seals.

The terms, in plain English

$5K–$250K

working capital for what’s next

  • Amounts: $5,000 to $250,000
    One total payback amount shown before you sign
  • Speed: funding in as little as 24 hours
    Approval in hours
  • Repayment: a fixed percentage of daily card sales
    Never a fixed monthly bill

Paperwork: All online. Nothing to print, sign or mail.

See what you qualify for No hard credit pull · 3-minute application · No obligation
$5K–$250KWorking capital
Fundedin as little as 24 hours
No fixed monthly payments
US-basedSupport
PCI Compliant
25+ Years of Trust
Bank-Partner Approved
US-Based Support

What you can use it for

It is not a loan. It is your future sales, working for you today.

A merchant cash advance buys a small slice of your future card sales. We put working capital in your hands now, and you pay it back as a set percentage of what you ring up each day. Busy week, you pay a little more. Slow week, you pay less, automatically. No fixed monthly payment hanging over you.

Restaurants and cafes · Salons and barbershops · Retail and shops · Auto repair · Home services · Any front-counter business
  1. 01

    Cover a slow season without stretching payroll

    Keep the business moving when a slower week hits.

  2. 02

    Stock up before your busy stretch

    Have what customers need when the rush arrives.

  3. 03

    Replace the equipment that just quit

    Keep the doors open and the work moving.

  4. 04

    Open the second location

    Say yes to the opportunity in front of you.

How it works

Four steps. Plain and simple.

Every step is online. Real people answer the phone, not a script.

  1. 01

    Tell us about your business

    Three minutes online. No paperwork, no printing, no mailing.

  2. 02

    See your real number

    A clear offer with the full cost in front of you before you decide anything.

  3. 03

    Money in the bank

    Funds can land in your account as soon as the next business day.

  4. 04

    Repay as you sell

    A small slice of your daily sales. Slow days stay manageable.

Main Street capital for Main Street businesses

You built something. Let us help it grow.

See what you qualify for

CAPITAL NOW · CAPITAL FOR GIG WORKERS

Capital for gig workers.Driving for Uber, Lyft, or delivery? Get a cash advance.

If you drive for a ride-share or delivery platform, our partner Cashera can advance you cash quickly based on your driving income. Apply online in minutes.

Apply with Cashera

Applications are handled by Cashera, our funding partner.