First Card Payments – Merchant Cash Advance & Merchant Financing

Get Approved Today!

Please enable JavaScript in your browser to complete this form.

Start Accepting Payments Today!

Merchant Cash Advance & Merchant Financing

A merchant cash advance is one of the most common ways for start-ups and other businesses to get business funding. A merchant cash advance is an advance on your credit card sales and many payment processing companies and high risk merchant account providers offer this level of business financing.

So, what sets First Card Payments apart?

At First Card Payments, we are partnered with a direct lender that also has a network of additional lenders to obtain the best offer for you to choose from

We partner with the most trusted lenders in the industry which puts us in a unique position to ensure that all our merchant financing services are offered at the best rates.

There are only few merchant cash advance providers that can partner with the top lenders in the industry, and as a result we are obtaining better rates which typically come in at about 10 points less than you will find everywhere else.

What this means to you is a plethora of offers from multiple lenders, with the best rates and for your perusal. There won’t ever be a credit pull upfront and there’s no obligation to move forward. Now you’ll have the very best options at your fingertips for your company to choose from.


Merchant Cash Advance (MCA)

Need Capital Fast? Credit not great? Want an uncollateralized loan?

You can have your cake and eat it too!

A merchant cash advance is an immediate advancement on your future credit and debit card sales. Very quickly and easily, you’ll receive the cash you need. A small percentage of your daily credit and debit card sales are deducted to pay back the MCA.

This is a fantastic alternative to traditional bank loans, which are collateralized and require lots of paperwork. Traditional loans take between 60-90 days to process and after that time, you may find you have been denied a bank loan. Business loans can be simpler.

Our underwriting department doesn’t look at tax returns; they just need bank statements to see the month to month average revenue of your business. Simply, they just want to see the health of your business. All that’s needed is a one-page DocuSign application. That’s it!

  • Approvals in 24-48 hrs. – Funds deposited same day as approval – No upfront credit pulls
  • Uncollateralized funding – Up to $2 million dollars – Use funds as you please
FCP Cropped Favicon Logo

How it Works

Fixed or variable rates on 12-48-month terms. Funding from $100,000 to $5,000,000. Typical rates are 10-18%. Extremely aggressive pre-payment discounts. Next-day funding available! Full financial package required for underwriting. Collateral accepted.
A true revolving simple interest line of credit can be paired with additional business products to maximize your opportunities. Unlimited draw up to the maximum with available capital replenishing upon payment. Pay interest only on the outstanding balance and save BIG on interest with no fee payments anytime. Terms typically from 6 – 18 months with weekly and monthly payments available. Great for way to increase a business working capital allocation by taking a Junior Lien (2nd or 3rd position, etc.) on a Property. Loan amounts from $30,000 – $2,000,000 and higher, with fixed or variable rates on 12-48-month terms with monthly payment options. Residential and commercial assets accepted.

A short-term working capital allocation that can also be paired with a business line of credit. Funding options from $20,000 up to $1.5 million with terms typically between 6 and 18 months and factor rates around 15% or higher, depending on the creditworthiness of the borrower. Fixed payment schedules with weekly options available, or variable payments such as an affordable percentage of credit card processing batches. Renewals offered at half-term. Pre-payment discounts available.


For merchants who are feeling burdened by short term debt, this program is a great way to free up immediate cash flow by extending the payback period on existing debt, which thus cuts the immediate payment obligations in half. Additional working capital is also available, as well as the option to continuously add more capital throughout the lifetime of the deal as needed. Finance an acquisition or get cash out by refinancing equipment currently owned. For businesses with strong credit, up to 100% financing is not uncommon. Terms from 36 – 60 months.

Cash Out Refinances of current assets, as well as Acquisition, Fix & Flip, and Development Loans and Lines of Credit Available. 30-year, fixed rate, fully amortized term with 5/1, 7/1, and 10/1 ARMS. Up to 80% LTV and 90% LTC. Loan amounts from $100,000 – $50,000,000, and higher. Interest only payments. Rates from 7.5% and up depending on creditworthiness and experience of the borrower.

First Card Payments