EZ Business Capital - Unsecured Cash Advance Program
How do I qualify?
You qualify if…

• You own a business that already accepts credit cards (Visa, MC) as a form of payment.
• Your business processes a minimum of $2,500 dollars per month in credit card sales.
• You can provide recent credit card statements and bank statements (2 to 4 months of each).
• You can provide a copy of your lease term and signature page.

How easy is it to get approved?
It’s very easy to get approved.  Apply online and get a cash advance approved in as short as 24 hours with very minimal documentation.

How do I get started?
Click on Apply Today button anywhere on this website, fill out the simple questionnaire and a Funding Specialist will contact you by e-mail to provide the one-page application and instructions for submitting supporting documentation for your cash advance.  Your Funding Specialist will be there through the application process and help to answer all your questions.

How does the program work?
You can be advanced as little as $2,500 up to $1,000,000 based on your current credit card sales receipts.   A small agreed upon percentage is then deducted from your ongoing/future Visa and MasterCard receipts for payback.  There are no fixed payments and there is no fixed term time frame.

How much will an unsecured cash advance cost?
Pricing is based on the size of the cash advance, the estimated time of distribution, and various other integral details of the cash advance program.  This is explained at length in the Cash Advance Approval sheet.

How much does it cost to apply for a cash advance?
Absolutely nothing! We offer a no-cost, no-obligation free quote when you apply.

How fast can I get an unsecured cash advance?
Once your application is approved, you will receive your funds in less than seven days.

How much of an unsecured cash advance can I receive?
From $2,500 up to $1,000,000.

What if I already have a business loan?
We offer a cash advance, and it is not a loan.  As long as you meet our requirements, you can immediately get your funds and this will not affect your current loans.  The business loan product that we offer will be dependent upon your credit status.

I have bad credit, can I still qualify?
Yes, you can.  Since unsecured cash advances are based on your future sales and not your credit history, bad credit will not affect your application.

How do I pay back my cash advance?
It is completely automated. A fixed percentage from your future credit card sales will be used to pay off your cash advance.

When I have repaid my first cash advance, how easy is it to apply again?
If you have experienced no change in financial status you will be approved automatically.

I am currently with another financing company that provided me with a cash advance; can you still offer me money?
Of course! We generally offer larger cash advances than our competitors, and can even pay off your existing advance.

Can the unsecured cash advance be renewed?
When the advance balance is down to approximately 20% of the original balance, the borrower can request for more money.  As a matter of fact, most of our customers opt to do just that.  The owner of the business can request a renewal by phone, fax, or e-mail.  Renewals are usually funded in less than 24 hours of being requested.

Do I have to switch my current credit card processor?
Yes. You must switch to our affiliated processors to receive funding.  Our affiliated credit card processing companies will meet or beat your current credit card processing cost structure.  The bottom line is that you're not going to lose money for having to switch.  (Most likely, you will be saving money by switching)

Do I have to get a new credit card terminal?
Not usually.  All you have to do is re-program your terminal, which takes only 10 minutes and it can be done over the phone.  Our credit card processor will call you to give step-by-step instructions.