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Merchant Financing

Get the Capital You Need, When You Need it

Universal Processing takes the success of our merchant partners seriously. That's why we proudly offer special financing options to our long-standing merchant partners. Working capital can often be in short supply and standard bank loans can be expensive, slow, and unavailable to many. Whether your business needs more capital to build inventory, make bulk purchases, finance a larger capital expenditure, remodel, or simply establish a cash safety net, we're here to help.

About Our Financing Program

How it Works

As a valued long-time merchant partner, our goal is for your business to succeed. That's why we offer financing at a very low fixed fee of 8 percent or 1.08 COD on an annual basis. Depending on the size of your business, we can extend financing in an amount ranging from $10,000 to a maximum of $200,000, with the total loan usually equal to or less than your monthly credit card processing volume. Repayment is automatic and based on an agreed percentage withholding of your credit and debit card receivables.

Who Qualifies 

Providing loans at such a low rate is an extremely risky undertaking. That's why we can only extend eligibility to businesses who have spent at least 2 years as a card accepting merchant, 18 months of which must have been spent as a Universal Processing client. Eligible merchants must also have a minimum annual $50,000 in total card processing volume (determined by coefficient of variation).

How to Get Started

Call to see if you're qualified

Call a merchant consultant at (212) 779-3977 to find out if you're eligible. The application process will never affect your credit score. 

Determine your funding eligibility

Our finance team will help you calculate the total amount  of financing available to your business based on your payment processing history.

Get funding in as little as 24 hours

The funds are deposited to your account in a lump sum. Payments are automatic in the form of a withheld percentage of daily credit card sales.

Call Now

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