Jan 19, 2016

How to Turn Your Small Business into a Large Success Story

Small businesses are on every city square in America. Sometimes people are happy with their small business. Other times merchants wish for a bigger standing in their industry. For this, the best option for small businesses is to look for outside funding. The issue does not come with the search, but rather obtaining outside funding. Being turned down for funding...

Nov 02, 2015

EMB Provides Small Business Funding Solutions

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...

Sep 25, 2015

The Facts about Small Business Funding

Do you have a great idea for a small business? The internet has a million articles about how to fund and manage small businesses, but it can be difficult to separate truth from fiction. Some people may lead you to believe opening a business that is considered high risk is next to impossible. But the truth is now there are...

Jun 24, 2014

Consumer Confidence in the Economy reaches Second-Highest Level since 2008

The Conference Board Consumer Confidence Index has improved since May. The index stands at 83.0, which is up from 81.7 in April. This continued boost in U.S. consumer confidence is at the second-highest level since 2008. According to Bloomberg, Joe LaVorgna, chief U.S. economist at Deutsche Bank Securities Inc. in New York stated that “Rising home prices certainly are making...

Jun 10, 2014

How to Find the Best Business Merchant Account for your Small Business

Owning a small business is the American dream for many people. It can be freeing to be your own boss, set your own hours, and make all of your own decisions. One of the most important decisions is which merchant account processor is best for your business, especially if your business is considered “high risk”. There are many options to...

Jun 05, 2014

Index Reveals Consumer Confidence in the Economy is on the Rise

The Conference Board Consumer Confidence Index revealed a positive turn from April to May. According to ACA International, “The index now stands at 83.0 (1985=100), up from 81.7 in April. The Present Situation Index increased to 80.4 from 78.5, while the Expectations Index edged up to 84.8 from 83.9 in April.” It would seem consumer confidence is improving in many...

Jun 05, 2014

Thinking of Business Franchising? Start with Small Business Funding with eMerchantBroker

If you are looking for a new investment consider a franchise. Franchise opportunities are everywhere from your neighborhood McDonalds to Subway. A franchise is a business model that is easy to follow, even for first time business owners. A franchise actually offers many benefits including ongoing support and assistance from the parent company which might include marketing, technical assistance and...

May 27, 2014

Is it Possible to find a High Risk Merchant Account for Small Businesses?

To many, being a small business owner is the American dream. With a successful venture, you can set up your future and retirement on your own terms. However, many small businesses are labeled as “high risk” due to a higher risk of fraudulent activity. However, it is possible to find a merchant account processor that specializes in high risk 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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