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Funding to grow your business
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Money really does grow on trees with our business loan program.
Get a Quick Decision - No Obligation
What is a Business Loan?
It is a loan against future sales.
We offer capital when traditional lending institutions may not. The amount
It is not a traditional loan.
The amount of the loan is based on the merchant's average monthly credit card volume. There is no fixed time or schedule of repayment, no fixed interest. Instead, an agreed-upon fixed percentage is deducted from the merchant's daily credit card batch. Therefore, the merchant is always paying a part of what he or she is earning. When the store or restaurant's volume is down, the amount deducted is less.
We require no personal guarantee.
Funding is available much faster and requires a fraction of the paperwork.
Do I qualify if my business doesn't process card sales
Yes, we structurethe deal around your gross sales monthly average.
Who should apply?
Meet payroll
Expand inventory
Improve or repair facilities
Advertise
Pay taxes
Open a new location
Pay operating expenses
Get through a slow period
To qualify a merchant must:
Be in business for at least three months to one year.
Have at least one year remaining on their dba lease agreement.
Accept credit cards as a form of payment for at least three months.
Bankruptcies, tax liens, outstanding judgments and/or pending litigations will NOT disqualify you.
How to get funding started
You will be asked to submit:
A completed and signed one page application
12 months of your most recent merchant statements, or as many are available
Three most recent business bank statements
A voided business check
Better than a traditional loan
No fixed payments.
No fixed time frames.
Minimal paperwork.
Pay as you grow!
Better than a partnership
No need to give up ownership, equity, or control.
No need to lose a portion of future profits to a partner.
Better than a dining program
(restaurants only)
No loss of control. With dining programs, double the loan amount is repaid with discounts to patrons, many of whom may have been full-price patrons. Restaurant owner does not know who is paying with a discount until after the party dines.
Participating restaurants are often viewed as those who "need the help" of a discount program.
Dining program payment cards are swiped at a higher per-transaction rate than other cards, costing the restaurant owner more per "ticket".
Better than a dining program
A finance specialist will be available to you at all times during normal business hours.
Application is simple and paperwork is minimal.
The money is wired to your business bank account within days of us receiving your materials.
What is a Business Loan?
Do I qualify without card sales?
Who should apply?
To Quality a merchant must...
How to get funding started
Better then a traditional loan
Better then a partnership
Better than a dining program
Faster, Easier & Risk Free
Everything you need to know...
Get to know our Business Loans
Lowest annual percentage rate (APR)*
Only pay interest on what you draw
Rate Definitions:
Simple Interest = Total interest you will pay, and given as a percentage of the amount borrowed, excluding fee.
Annual Interest Rate = The interest rate in annualized terms, excluding fees Annual Percentage Rate = The interest rate in annualized terms, including fees
* Eligibility for the lowest rates is limited to the healthiest businesses with the strongest cash flows.
* Fee is waived for 6 months, $5,000 initial draw must be within 5 days of opening account
up to $500,000
Lowest annual interest rate (AIR)*
Short & longterm payback
up to $100,000
Fund projects and purchases that drive your business forward.
Manage your working capital needs, both planned and unplanned
- Hire more employees
- Purchase and profit from a bulk inventory deal
- invest in your online presence
- Finally open that new location
- Start a marketing campaign
- Get through a slow period
- Catch up on back taxes
- Take advantage of purchase opportunities
- Be ready for unexpected opportunities or costs
- Fund purchases you can't put on your credit card
- Renovate your current location
- Satisfy any task you've been waiting to complete
The Merchant Management Advantage
in business
of business relationships
of dollars in funding
ADVANTAGE
OTHER
INSTITUTIONS
Personal Guarantee Required
Collateral Required for Approval
Late or Missed Payment Penalties
Fixed Payment Amount
Extensive Documentation Required
Fixed Schedule of Payments
Need to Give up Ownership, Equity and/or Control
Yes
Yes
Yes
Yes
Yes
Yes
Yes
NO
NO
NO
NO
NO
NO
NO
Do you qualify?
How do you get started?
Minimum requirements to apply. Many of our financing options require a minimum of 1 year in business and $100,000 in gross annual revenue. Merchant Management serves hundreds of industries, so it's likely that we're able to work with you.
Ready to grow your business?
Apply Now
Merchant Management LLC. 82 Centre Street. Nutley, NJ 07110, 973-320-8704
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