Bad Credit Businesses Welcome at EMB

Dec 01, 2015

No matter what we do, sometime new ventures just don’t work out or need help to survive. The previous recession left even the most responsible of business owners broke or near bankruptcy. As a result, many businesses have bad credit and have trouble acquiring fair, inexpensive payment processing. If you have lingering bad credit from the recession and have filed for bankruptcy, choose to meet all your merchant service needs. EMB can help you no matter what your FICO score, prior tax liens, or previous processing history.

If your business has bad credit most banks and traditional credit processors will avoid partnering with your business, which will cripple any opportunities for future growth. can approve your merchant account in as little as 24 hours. A merchant account will get your business revenue stream up and flowing. EMB even assists merchants on the TMF list for Visa and MasterCard.

The EMB Difference for Merchants

EMB believes that even though your business has bad credit, you still deserve dependable service that only high risk payment processors can understand and provide. offers the fastest approvals on the market. Our application only requires a simple electronic signature that can be approved in 24 hours. We have helped thousands of merchants reach their goals and prosper.

For businesses that are already established, EMB can supply an infusion of cash to help keep the doors open, purchase new equipment, or buy more inventory.  We offer a competitive business cash advance that has helped a variety of businesses with bad credit re-establish good credit and get on the road to recovery.

Businesses on the verge of collapse, or those that need a little help getting started deserve easy, straightforward, and quick services from credible payment processors. has cut out the middle man and unnecessary processes, and has streamlined the application so that it is user friendly. EMB applicants don’t worry about application fees or VISA and MasterCard requirements. Bad credit merchant accounts have competitive rates and provides 24/7 support for our merchants.

Let us help you get a high risk merchant account today!

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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