Merchant Funding

Merchant Funding is the fastest growing capital source for small and medium size businesses. It provides a new financing option that uses future credit card sales to access capital now.

Restaurant owner has idea to expand but needs capital to build new patio

Owner contacts Wind River and partner ACA to discuss needs and financing options

Funding is secured, patio is built

More customers enjoy dinner on new patio

Credit card sales and cashflow increase

% of credit card sales repays your balance

What is Merchant Funding?

You know that in business, unique challenges can arise any day of the week. This can include the need to invest in additional inventory, expand a product line, hire employees, invest in new marketing efforts and much more. Although bank loans are right for many types of business investments, there are times when banks just can't help.

When a bank can't help, merchant funding can. Merchant funding can provide short-term capital infusion in exchange for repayment through a portion of the company's future credit card sales.

Merchant funding gives small business owners convenient financing options and easy repayment terms to help them grow their business.

How does it work? It’s easy!

The business owner contacts our team to learn about funding options and fast approval. Once approved, the business owner receives the funds for use in their business. The business invests the funds and then automatically repays the amount out of future credit card sales – repayment happens in the flow of business.

Is merchant funding right for me?

Merchant funding is a great option for many businesses.

Do any of the following apply to you?

  • You have short term or seasonal financing needs. Merchant funding gives businesses the cash flow they need to meet their business goals.
  • You don’t want to go through the bank approval processes, or your funding needs aren't a fit for bank loan products. Our approval process is streamlined and designed to make it convenient for you to have access to working capital for investments that may not be a match for a bank loan (advertising and marketing, hiring employees, purchasing inventory, etc.)
  • You don’t want to pledge current collateral. Merchant funding approval is based on your credit card sales volume and does not require additional collateral.
  • You don’t want to think about having to make a payment. With merchant funding, payments are made in the flow of business with each credit card sale your company makes. There’s no need to plan or schedule repayments – it happens as part of your credit card sales volume.

If you said "yes" to any of these, we invite you to contact us through the form on the right. Our partner, ACA Funding will reach out to answer your questions and discuss the next steps to get you the funds your business needs.

Get Started Now!

Let us review your needs and help create more capital for your business today.

Fill out my online form.

Frequently Asked Questions

  1. What is Merchant Funding?
    Although bank loans are right for many types of business investments, there are times banks can’t help. Merchant funding offers benefits and products that can help run a business when bank loans aren’t the right fit (e.g. investments in advertising and marketing, purchasing inventory, hiring employees, expansion or remodeling, etc.). Merchant funding can provide a short-term cash infusion in exchange for a portion of the company's future credit card sales.

    Merchant funding gives small business owners convenient financing options and easy repayment terms to help them grow their business.
  2. How do I know if Merchant Funding is right for me?
    Merchant funding is a great option for many businesses – even those seeking as little as $5,000. If your business has short term or seasonal financing needs and you don’t want to go through a bank approval process or your financing need doesn’t qualify for a bank loan, merchant funding is worth considering.
  3. How do I make payments?
    With merchant funding, payments are made in the flow of business. Repayment is made through an agreed upon percentage of future credit card sales.
  4. What are the financing terms?
    There are no fixed payments or fixed terms. Repayment is made as you get paid, at the pace of your credit card volume. Rates are competitive and renewals are easy.
  5. What if repayment takes longer than expected?
    How quickly or slowly the funding is repaid doesn't affect the rate. There are no late payment penalties and no fluctuating interest rates.