Merchant Cash Advance Provider
I was able to get approved and funded within 24hrs. This allowed me to continue operating my business when I needed cashflow the most.
- Quick Approval Times
- Minimal Paperwork
- No Collateral
- Transparent Structure
- Manageable Repayment
- Multi-Loan Approval
Merchant funding helps you
capitalize on opportunities.
Merchant cash advances are more popular than ever for starting or growing your business. The truth is, many businesses today are low on cash. In fact, about 80% of businesses rely on some form of credit. The merchant cash advance industry has changed rapidly with improvements in technology and online lending. But, if you’re new to merchant funding, you may be asking yourself “What are merchant loans?”
If your business does not qualify for a traditional loan due to a short business history or low business credit score, a Merchant Cash Advance (MCA loan) might just be the right solution for you. We’ll go over the merchant funding definition, how it works, and your best options moving forward.
How Do Merchant Cash
Advance Loans Work?
Since this revenue is essentially an advance against receivables, the merchant must have a certain amount of sales compared to the loan amounts. Once approved, the merchant can gain access to capital in as little as 24 hours. The loan terms state that you will start repaying the balance as soon as you gain access to the loan. This means there are no set repayment dates, as it depends on the cash flow of your business.
No waiting around for a lengthy approval process - get funded quickly with an MCA loan.
Merchant cash advances have a one-time fixed fee instead of an interest rate. To calculate your merchant funding fee, multiply the factor rate by the amount borrowed. Many merchants notice that these fees are not all that different from the credit card processing fees they’re used to.
Premier Merchant Funding Partner
Wisco Capital allows businesses to get approved for MCA loans over and over. This means that you can get a small loan now to pay your employees, and multiple loans down the road to fund projects, inventory, invoices and more.
Processing Steps
46
Countries
Process payments with 4XPayments in over 46 countries & find our offices in the US, Canada, Mexico & the UK.
$180M
in Annual Volume
We’re growing – FAST. Experience what it’s like to work with a processor with incredible scale.
104k
Clients
From B2B to online and salons to restaurants, 4XPayments supports industries and companies of all shapes & sizes.
2103
Referral Partners
Our partnership won’t just be a value add to your customers, we’ll add an additional revenue stream to your organization.
How to save 50-80% on processing costs
You submit a merchant processing statement
Pull a couple months worth of your processing statements and send them on over.
We do a deep dive and a Cost Savings Analysis
Our analysts will breakdown your data & give you a simple report of savings you could expect.
We process your app and open your accounts
We’ll setup your merchant account and get you up & running in no-time.
More $$$ in your pocket!
It’s true! We can save you 50-80% in processing, with NO CONTRACTS.
4XPayments Consultant
Ready To Get Started?
Apply for an account to instantly start processing mail and telephone orders. Or reach out to us to design a custom package for your business.
An Experience
People Love To Talk About
I had a very positive experience with 4XPayments. We were having trouble getting a merchant account because our company is categorized as high risk. However, with a really strong effort by Nicole Hillis, we eventually got approved. I highly recommend them especially if you are in a high risk category!
Nelson Greg
GA Resources4XPayments is an extremely conducive service provider. I was new in this field and achieve the best support from Tom Jamie. It plays an amazing, very reliable part to begin and grow your business by the way I will definitely recommend others to use this company and get full satisfaction with your payments. All the best to the team and clients.
Domun Stewart
Easy Shop Bounce PipeI started working with 4XPayments this spring to set up a new account. The customer service has been tremendous. Ella Paz is super-responsive, always helpful, and follows through diligently every step of the way. I was anxious about starting over with a new processor, but Ella and her team made it as painless as possible. We now have our new account set up, and customers are making payments on our website daily. I am very impressed with the service and would highly recommend 4XPayments to others based on my first month with them. It's Five-Star Service, for sure!!!
Ursula Hella
Women's Soccer CoachJoin the 4XPayments Family
Our process and unique agent support systems and dedicated to your become a Payment Professional Today!