Merchant Cash Advance without a Merchant Account

Mar 01, 2012

Do you need money for your business? You’ve heard about merchant cash advance programs, but you don’t have a merchant account?

No problem! We can provide business funding to any business type, with any credit situation, and you don’t need to accept credit cards at your business to be approved. In todays economic climate it can be very difficult to get working capital for your growing business.

Business owners need money to grow, and sometimes just a little bit of working capital can be the key to making it big. We are here to help, we can get your business money fast. No red tape, no long application process.

Fast money, regardless of credit….that’s what we specialize in.

Our ACH funding programs will lend you money based on your businesses gross monthly sales volume. This includes cash, check and credit card sales. We’ll even lend you money based on accounts receivables, government contracts and recurring billing agreements.

Our wide variety of finance options, and fast funding times make us a popular choice for business owners looking for a merchant cash advance or receivables financing.

To get started click on the icon below and fill in your information.

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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