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Frequently Asked Questions

How does Merchant Post funding work?

You must complete a 5-10 minute online questionnaire to determine your business’s eligibility or by calling a Cash specialist at 1-866-822-7476. Once the questionnaire is complete, you will get a call from our cash specialists to discuss your options.

Once you notify us of your desired terms and complete your application, if approved, you will be prompted to sign an agreement that will be sent to you and includes bank instructions so that payments can be debited daily, weekly, bi-weekly & more from your business checking account.

What amount of funding am I eligible for?

Funding amounts range from $5,000 to $250,000, depending on your business’s eligibility. One of our Cash Specialists can review your qualifications within minutes and if you are eligible, they can work with you to figure out repayment options and other needs that suit your business and situation.

If approved, how can I get the funds?

If approved, the money is transferred directly into your business’s bank account. Funding can be as fast as 4 hours if documents are in and the loan is approved by 5p.m. ET, Monday through Friday (excluding bank holidays).

Is my business eligible for a cash advance?

Your online questionnaire or a Cash Specialist at 1-866-822-7476 can help determine your business’s eligibility for a cash advance. You must have been in business for at least 3 months, not have any active bankruptcies, and be located within the United States. Some industries are ineligible for cash advance and this is subject to change.

How do you determine my business’s eligibility?

Your eligibility and cash advance are based on the health of your business and other simple factors. It’s not dependent on your FICO score and low documentation is needed. No Tax returns needed.

Which industries are ineligible for a cash advance?

Prohibited Industries include

  • Real Estate sales
  • Non-Profit Organizations
  • Business consulting
  • Strip clubs
  • High Risk E-commerce items
  • Law Firms
  • Lending companies (personal or business)

This is reviewed on a case by case basis and is subject to change.

Will exploring a cash advance impact my credit score?

Completing the questionnaire will assess your eligibility and will not impact your credit score. Should you decide to complete the application process, credit checks and other public records checks will be performed which may impact your credit score.

Can I pay off my cash advance early?

Your cash advance can be paid off at any time, but the full amount based on the original terms of the advance is applied and is due at the time of the payoff.

How long can I take to repay my cash advance?

Cash advance repayment durations range from 3 months to 52 weeks, depending on your amount.

How do I repay my cash advance?

Payments can be debited daily, weekly, bi-weekly & more from your business checking account. Payments can be adjusted to account for your seasonal sales. If you have a slow month debits are lower. You can customize your repayment based on your business needs.

Do you require a personal guarantee?

A personal guarantee is required, but this is the industry standard when you get a cash advance from any company.

What is required to complete the application process?

You will need to fill out our quick questionnaire online or call us at 1-866-822-7476 to determine your eligibility. This may only require 3 months of bank statements and a copy of your business lease agreement. This is subject to other factors that our underwriters will need to evaluate based on your business health. If you’re eligible, the documentation required to complete your application varies. We’ll explain what we need.