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Capital Solutions for your business, simplified.


1) How can I qualify?

You have been in business at least one year
You have at least one year remaining on your property lease
Your business accepts Visa® and MasterCard® as a form of payment
Your business processes a minimum of $5,000 in Visa and MasterCard sales a month

2) How can I use the cash advance?

You can use your cash advance to fulfill almost any of your business needs.
Expand or remodel your business
Purchase inventory
Replace existing equipment
Promote or advertise your business
The best part is that the decision is yours!

3) How do I apply?

It’s easy – simply fill out our online application or call a Merit Capital Advance representative at 1-866-419-0649!

4) How does the program work?

Merit Capital Advance offers products and services that are specifically designed to provide small to mid-sized business owners with flexible and unsecured access to capital. Your business will receive cash in exchange for the purchase of a small portion of your future Visa and MasterCard receipts. The cash advance will be deposited into your business checking account allowing these funds to be accessible immediately. This is not a loan, it will not require a complicated application process, personal guarantees, collateral, or unnecessary fees.

5) How soon can I get the advance?

Once the required documentation is provided in full with the application, money can be received quickly through an electronic transfer.

6) How do I pay back the cash advance?

A small percentage of your daily Visa and MasterCard receipts are deducted until the balance is collected.

7) How can I check my account status?

There are two ways to check your account status. You can request a monthly statement that shows the previous month’s activity or you may also access your account via the web at

8) Can I stay with my current credit card processor?

It is possible if Merit Capital Advance has an agreement in place with your processor. Otherwise, we will arrange a Merit Capital Advance partner processor who will match or lower your current processing fees.

9) Do you have to review my personal credit history?

At Merit Capital Advance we base our approval decisions on a credit scoring model that considers both a personal credit score as well as a business score. A very high percent of applicants qualify.

10) Can the cash advance be renewed?

Yes, when the advance balance is down to approximately 25% of the original balance, your business can request another advance.

11) Who do I call if I have any questions about my account?

You can call a Merit Capital Advance representative right now at

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