Merchant funding based on your processing history

Who it's for

• Seasonal retailers

  Bridge inventory purchases before holiday revenue arrives.

• Restaurant expansions

  Fund second location build-out while first store processes.

• Established merchants

  Businesses with 6+ months consistent processing history.

Core capabilities

• Volume-based offers

  Advance amounts scale with demonstrated card revenue.

• Fast funding

  Eligible approvals deposit within days of acceptance.

• Fixed remittance rate

  Daily percentage of settlement applied to balance.

• Dashboard tracker

  See remaining balance and remittance history.

• No prepayment penalty

  Pay down faster when cash flow allows on qualifying offers.

How it works

Funding use cases

• Holiday inventory

  Advance funds spring inventory before Q4 sales.

• Equipment purchase

  Replace kitchen line while maintaining daily operations.

• Marketing campaign

  Fund digital ads with remittance from incremental sales.

• Cash flow bridge

  Cover payroll gap during slow season without bank line.

Integrations

• Settlement remittance

  Automatic deduction from daily deposit batch.

• Dashboard visibility

  Funding tab alongside transactions and deposits.

• Advisor review

  Human review for offers above automated threshold.

Security

• Eligibility verification

  Offers based on verified processing, not self-reported revenue.

• Secure acceptance

  Electronic agreement with disclosed terms archived.

• Remittance audit

  Every deduction tied to settlement batch ID.

Implementation

• History review

  Advisor confirms processing tenure and volume trend.

• Offer presentation

  Walk through factor rate and remittance math.

• Acceptance

  Electronic sign and verify deposit account.

• Monitor remittance

  Track balance weekly in dashboard during repayment.

Pricing

• Funding terms

  Factor rate and remittance percentage disclosed upfront. Not a traditional term loan; product structure varies by eligibility.

For businesses in the USA

A direct answer for a business in the USA: the workflow, the limit, and what to confirm next.

• The payment workflow

  Use a hypothetical US inventory-financing decision: review the offer, total remittance and cash-flow impact. Name RapidCents’ actual role and the funding provider. Clearly distinguish working capital from the ordinary settlement schedule for merchant sales. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Merchant Funding does not, by itself, prove delivery or win a dispute.

• The problem and the limit

  The workflow should require an approved cost example covering amount received, total remitted, charges and assumptions. In practice, declining-sales and early-payment conditions only from the agreement. Legal must approve classification and factor-rate/credit-check comparisons; avoid guaranteed approval or implying a factor rate equals an annual interest rate. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Merchant Funding does not, by itself, prove delivery or win a dispute.

• What to confirm

  Treat US provider identity, state/business eligibility and required disclosures as publication gates. Before you rely on this, confirm history, permitted uses, currency, validity and timing with the provider. Canadian availability cannot establish a US offer, and the page must not imply all-state access. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Merchant Funding does not, by itself, prove delivery or win a dispute.