What is Merchant Cash Advance?

Merchant Cash AdvanceA merchant or business cash advance is a financial tool for small and medium-sized businesses that need working capital. Merchant cash advances are not loans. Unlike a business loan, merchant cash advances typically do not require a personal guarantee, liens or collateral, do not have a fixed payment schedule, have no absolute obligation to repay (the buyer assumes the risk of non-payment), and no restrictions are placed on use of funds.

The merchant cash advance provider purchases a specific amount of future credit card receivables from the business at a discount and receives a small percentage of the owner’s daily future credit and/or debit card receivables. Each time a sales transaction is made, a percentage of the card receivables is forwarded to the cash advance provider or purchaser until all of the purchased receivables are forwarded to the merchant cash advance provider. Repayment follows the owner’s revenues and is directly related to the success of the owner’s business.

Los Angeles Merchant Cash Advance | First National Processing

Flexible Financing

merchant cash business advanceWe determine the amount of funding you receive based upon your previous Visa and MasterCard sales performance. As a result your business can be approved even if you have bad credit or have been turned down for business loans in the past.

Whatever your business cash needs – cash for expansion, cash for advertising and marketing, cash for an unexpected emergency, 1st National Processing offers a solution that allows you to convert your future Visa and MasterCard transactions into immediate cash.


Designed to fit the needs of small and mid-sized businesses, this unique financing program offers a level of flexibility that cannot be found in traditional bank loans:

Flexible Payments

There is no fixed payment schedule. The amount you pay each month is determined by how well your business performs.

No Purchase Restrictions

Unlike traditional lenders, we do not specify how you must use the capital we provide. You spend the money where your business needs it.

1 Comment

Los Angeles Merchant Cash Advance | Business Credit Card Factoring LA CA | 1st National Processing

December 6, 2010 at 10:33 pm

[…] other names, such as business cash advance, merchant funding, merchant account cash advance, or merchant cash advance – provides retail and service business owners with credit card sales, quick and easy access to […]

Our Testimonials

Our full service dental office at the heart of Los Angeles has been enjoying the fabulous customer service that 1st National Processing provides. Our merchant account savings, since switching to them last year, have been tremendous and we continue to refer them to other dental & medical professionals that we work with.

Dr. Neil McLeod
West Hollywood Cosmetic Dentist
We make signs all over town and switching to 1st National from another processor has allowed us to save money every month and improve our service by accepting debit cards, upgrade our terminals and run our online store via their ecommerce options. We recommend them to your for Processing and more.

Chris Nalbadian, President
Sign Zone Inc.