How can a New Business Obtain a Bad Credit Merchant Account?

Jul 11, 2014

Sadly, new business ventures do not always work out. Variables that factor into the success of a business vary and may be beyond your control. If you have lingering bad credit from prior ventures or if you have filed for bankruptcy, there is no easier option than, or EMB, for your merchant service needs. We at EMB can help you regardless of your FICO score, previous processing history, or even bankruptcies and tax liens.

In order to get your head above water, it is important to keep kicking and clawing your way up. With a merchant account or business cash advance from EMB, you can build your personal and business credit. Having bad credit can be a nightmare, and we understand that we understand that. We at EMB want to do all we can to make the application processing simple and easy. We have zero application fees, and you can be approved in as little as 24 hours. Our specialized merchant accounts for those with bad credit can help get your business revenue stream flowing again. We can even help merchants on the TMF list, which is a “black list” for Visa and MasterCard accepting merchants. Our trust level in the industry is outstanding, which is how we can help you override the TMF list. We are totally dedicated to helping you and your business. Bad credit merchant accounts are not easy to come by; however, we believe that all businesses deserve the same chances and freedoms.

The straightforward and simple rules for our accounts ensure that your business can continue operation on the long road to recovery. Apply today for a bad credit merchant account with EMB, and cut through all the red tape involved without a perfect credit history. You do not need a credit card to become approved, and our reputation in the high-risk industry is top-notch.

Contact us today to set up your merchant account regardless of your credit!


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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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