Cash Advance

Cash Advance

Merchant Cash Advance is not a loan—it’s the sale of your future credit card sales receivables at a discount.

You sell a fixed dollar amount of your future credit and signature debit card sales at a discount to one of our preferred cash advance partners. Through an automated process, a fixed percentage is returned from each sale as it is settled. The percentage paid from each sale is fixed for the life of the funding, and the advance is paid back as you get paid.

You never have to worry about writing checks, making timely payments, or paying late fees. Once you have paid down a portion of your original balance, you can renew your advance to get additional capital. Renewal is easy and fast. In most cases, funds will deposit into your account the next business day.

  • Merchant cash advances are not loans but are based on the sale of your future credit card receivables, ranging from $5,000 to $250,000.
  • Funds can be used as you see fit.
  • No collateral is required.
  • From application to receipt of funds, the process is simple.
  • No application fees or closing costs are required.


  • Apply for funding

    Complete a simple referral form and speak with a Business Services Specialist, who will tailor a funding program to meet your needs.

  • Get approved

    Within 24 hours, you will receive your preapproval. Within seven business days, you will receive your official approval.

  • Set up your account

    A Business Services Specialist will work with you to ensure that your credit card processing account is established after you provide two months’ worth of processing statements.

  • Receive funds

    Once you are processing with Netcom PaySystem, a Merchant Cash Advance provider will deposit the funds directly into your bank account and the automated payback will begin.