EMB Provides Small Business Funding Solutions

Nov 02, 2015

Running a successful small business takes a lot of work. Despite the recent economic depression, American small business owners have fought for survival and are on the rebound. In honor of the 28 million small businesses in the United States, the Small Business Association (SBA) even started a National Small Business Week. The SBA states that half of Americans work for, or own a small business. These businesses require payment processing services that will give customers a variety of methods of which to pay. EMB provides premium payment processing services along with small business loans to help them thrive in a recovering economy.

EMB provides the following critical services to small businesses:

ACH Business Funding

To acquire ACH funding, businesses do not need a merchant account. EMB agents will look over the sales revenue of merchants over a 4 month period. EMB will give them funding based on the gross deposits in their checking account. This is a popular business finance tool because merchants don’t need to make an account with us.

Cash Advance Program

Small businesses often need infusions of cash. Whether it is to expand operations or buy more inventory, a cash advance may be the right option. Small businesses only need to make $2500 per month in revenue.to get a merchant cash advance. The process is simple and most merchants receive working capital in as little as 5-7 days. This program looks at your business’ total gross credit card processing revenue and is based on a 3-6 month average processing revenue.

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  • To get started with a cash advance or ACH funding, merchants must have:
  • Copy of your driver’s license
  • Copy of a voided check or bank letter
  • Copy of your lease and landlord contact information
  • 3 months worth of bank statements for your business
  • 3 months of credit card processing statements.

eMerchanBroker.com is America’s leading high risk payment processor and supplier of loans for small business. Expert advisers are available 24 hours to assist merchants anywhere, anytime. EMB specializes in business funding for small businesses with good or bad credit.

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 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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