How can you qualify? It’s simple.

Your business should: 

  • Be fully operational for at least 12 months
  • Accept VISAMaster CardAmerican Express or Discover cards as a form of payment for at least the past 6 months
  • Process a minimum of $5,000 per month in credit card transactions
  • Be located separately from your home (whether that’s an office, a retail location, a warehouse or manufacturing location)
  • If you are a small business owner, First Merchants should be your first choice to obtain working capital to expand, make improvements, purchase inventory, advertise, or simply pay off debt.
  • Be located in the United States or Canada

Whether you need urgent cash to cover a temporary deficit, or you want to take your business to the next level, a working capital cash advance can help secure the future of your company. Apply now to get an answer from us within 1 business day. There are no fees of any kind, and the application will take you less than 5 minutes. 

How much can you get? 
We fund businesses of all sizes, ranging from the smallest corner pizza shop to multi-location retail and service chains. Our minimum funding size per location is $5,000 and our maximum is $150,000


How can you best prepare yourself to get a cash advance?

  1. Gather your recent credit card processing statements and bank statements, and make sure they’re complete.
  2. If your business is seasonal, be ready to show what your volume looks like during both the high and low seasons.
  3. Make sure that you have documents that show your ownership of the business, in case there are no public documents that we can access.
  4. If you have moved recently, be sure that you can show that there was no negative impact on the business.
  5. Think carefully about how you plan to use the funds, and how much you really need.

Why not give us a try today? 

Find out more about our underwriting process by clicking here.