Aug 28, 2020

China Sidesteps Credit Card Cash Advance Controls and Limits

Amid the COVID-19 pandemic, China has been struggling with mounting credit card debt. Regulators have once again turned their attention to an illegal operation consisting of third party payment companies that allow both businesses and individuals to access credit card advances at lower than normal costs.  They enable this by allowing merchants to falsify these transactions as fake credit card...

May 07, 2020

How To Apply For a Coronavirus Small Business Loan

The SBA offers low-interest Coronavirus Small Business Loans through their disaster loan program. The American economy continues to suffer the devastating effects of the COVID-19 health crisis, with small businesses bearing the brunt of the blow. As lives continue to be disrupted via social distancing and lockdowns nationwide, small businesses such as restaurants and retail are having to temporarily shut...

Apr 09, 2020

Helpful Resources For Small Businesses During COVID-19 | Coronavirus Small Business Loan

COVID-19 has dealt a devastating blow to our nation’s small business community. With state mandates and safety measures requiring the suspension and closure of many businesses, officials are hoping to slow the spread of the COVID-19. For most businesses, this has meant a dramatic drop in cash flow, threatening many to potentially close their doors for good. Despite the troubling...

Mar 13, 2020

Why Lenders Should Consider Push Payments

The way consumers pay and receive money is radically changing. Consumers are familiarized with making payments in real-time, using cards and wallets. As a result, their expectations about the way they receive their money is also shifting.  Initially, consumers did not have a simple solution for sending payments to each other. However, non-financial institutions stepped in and created solutions for...

May 23, 2019

Merchant Service Providers Must Embrace Instant Funding to Stay Competitive

When it comes to getting their money, businesses and consumers want it fast and convenient. No one has time to wait, and if they can’t get it when they want, they will go elsewhere. There is no loyalty in payments, and a new report proves it. In the U.S. economy, business-to-consumer disbursements have traditionally been made via mailed checks or...

Sep 17, 2018

Business Financing Growth Strategy: Business Advance Funding

Achieving growth requires serious investments of time and finances. To grow, you should plan your business throughout its existence. What your business financing growth strategy should be like? How can you get business advance funding without challenges? The answers to these questions are below. Just keep on reading! Growth Strategy for Your Business A growth strategy is more than just...

Jun 19, 2018

What’s the Best Financing Solution for Your Business?

Interested in how you can determine the best financing program for your business? What are the main factors to concentrate on when applying for business funding, including consumer financing solutions? Just keep on reading this article and you’ll know. Business Funding: Consumer Financing Solutions Both large and small business may need funding for this or that reason. If you’re a...

Aug 22, 2017

How to Avoid 4 Planning-Stage Mistakes that Can Kill Your Bottom Line

E-commerce boasts 23% year-over-year growth. According to eMarketer, the leading research firm for marketing in a digital world, online sales are projected to account for more than $4 trillion by 2020. Global online retail sales are estimated to make up 8.8% of total retail spending in 2018; this number was 7.4% in 2016. With this in mind, it’s critical to...

Mar 27, 2017

How Your Personal Credit Affects Your Business Credit

If you’re looking for business financing, you might be interested whether your personal credit affects your business credit. The good news is that bad credit doesn’t mean the end of the world: you can still qualify for a business loan with poor credit. The Importance of Credit Scores If you’ve decided to turn to a traditional bank or financial institution,...

Mar 06, 2017

How Alternative Funding Can Increase Your Business Profits

Since their inception, merchant cash advances have been considered the best option for business owners to gain quick funding when needed. They are easy to apply for and don’t demand too much information. Moreover, leading players such as eMerchantBroker offer fast approvals, with cash deposited within only a few days. That said, smart merchants have come to the realization that...

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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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