Nov 27, 2015

Fact or Myth? The Truth about Online Small-Business Loans

Small business loans have grown in popularity in the last decade. Why? Their popularity has risen as banks have become more risk averse, accompanied by the demand for small-business capital. In a new survey conducted by financial software company Misys, small to mid-sized companies across North American, Europe, the Middle East and Africa reported that their ability to manage their...

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 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...

Apr 29, 2014

Business Funding for Starting a LLC from eMerchantBroker

Starting a new business can be equally exciting and stressful. A lot of the stress can come from finding funding, as the majority of people take out a loan from a bank or family member to start their dream company. However, there are options outside of a bank or a well-off family member. Many people have their businesses categorized as...

Apr 28, 2014

Four Lucrative Small Business Waiting Only for Your Business Funding

Finding the right market and the right niche is the trick to converting an idea or concept for a small business into a successful, thriving company. The key to being an entrepreneur is finding the concepts that are guaranteed to translate into profit when executed properly with appropriate business funding. Here are four small business ideas that are easy to...

Apr 28, 2014

How to Easily Secure Business Funding for Your Start-Up Business

Already have a great concept for your small business but you’re wondering how to get it off the ground with minimal business funding? Sometimes all a small business needs is careful planning and a kick-start to get the ball rolling. When you’ve found a niche within a market with a good potential customer base delay will cost you. Here are...

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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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