How does a Merchant Cash Advance work?

1

Limitless Possibilities

Your business agrees to sell a fixed dollar amount of its future sales at a discount. Once approved, your business will receive a lump sum of working capital as the purchase price. Use this working capital to expand your business, open another location, catch up on payroll, pay back taxes, etc. The possibilities are limitless. The entire merchant cash advance process (from approval to funding), is the quickest and the easiest solution for any business owner.

2

No Personal Liabilities

There are no checks to write and no possible late fees. There are also no personal liabilities for the money. It’s strictly against the business. This is the only solution in today’s economy that is unsecured, with no liens, judgments, or personal guarantees. The only collateral is the future sales of your business. Your business operates as it always does. Through an automated process, we collect the agreed upon payment from your bank account. Or with our “Credit Card Split” option when you “batch” your credit and debit card sales, the processor automatically forwards TMR the agreed-upon percentage of receipts.

3

Performance Of Your Business

The percentage retrieved from the business’ daily credit and debit card sales remains fixed. This means that, on a busy day where credit/debit card sales are up, the retrieved amount is a little higher, but on days when credit/debit card sales are slow, the retrieved amount will go down proportionately. The percentage holdback doesn’t change which is why this flows with the direct performance of your business.

4

It’s Easy To Qualify For A Merchant Cash Advance

Fill out the simple one page application provided in the application part of the this website or call the toll free number and one of our agents will email or fax you one immediately.

  • Provide 4 months of bank statements.
  • Provide 4 months recent merchant statements.

There’s a program available for almost every applicant. If you have been trying to get some working capital for your business and are having a difficult time, you should still be able to get an approval through us. Our approval rates are 95%.

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what our clients say...

Domenico

"Alex has been amazing throughout the entire process. Honest and reliable with any question asked. Always searching for the best option . Highly recommend "

Domenico, Owner

Oscar cazun

"Alex has been great to work with.. I appreciate his honesty and care for my company. Not selling me on anything but building a great working relationship. "

Oscar cazun, Alex Y

Ian Lahde

"Eric B. Is the freaking bomb. He has taken EXCELLENT care of me since day one and I have nothing but phenomenal things to say about him. It is a true pleasure to have Eric managing my account."

Ian Lahde, Owner

Jan Radford

"Alex is a great asset. Has come through for us everytime!"

Jan Radford, President

Nick Larrimore

"Been great to work TMR!! Very respectful and has been a great relationship all around."

Nick Larrimore, Roofing & Construction

Jimmy Williams

"Josh and the Entire Staff at TMR are positively awesome and a reliable, supportive leader in their field. Every experience dealing with TMR is Professional and Comforting. Thank You TMR !"

Jimmy Williams, Florida Business Owner

Ryan S

"Val was amazing. We have a complex system and he was patient and willing to figure out a way to make it happen. Looking forward to collaborating with them in the future. "

Ryan S, CEO

Glen

"Experience was good and very easy to work with. Looking forward to future partnerships. "

Glen, President

Daniel Paola

"I'd say more if I had the time but they were responsive and we're great to work with. Thank you!"

Daniel Paola, Hermiston

Karina

"I am so thankful for Total Merchant Resources! I definitely recommend it. Iran was the most helpful and knowledgeable throughout my application process and explained everything so well! I couldn’t be happier! "

Karina, LA

Ben Hall

"Alex was amazing! He understood my business my situation and helped me get exactly what I needed for my business. He did and amazing job explaining the different options and whats possible in the future! Major Thanks To Alex and TMR! Thanks! "

Ben Hall, Owner

Soonthone Phasavath

"I stumbled upon TMR via Facebook. In need of working capital I was sold on the fact that they were featured on Shark Tank. I contacted the TMR and Thomas Ness was assigned to my business. He followed up with me everyday until I was funded. The clover mini2 equipment was above the usual price, nevertheless, I am satisfied with the money I will save in the long run regarding merchant processing fees, etc. I am satisfied with the new cc processing company that TMR connected me with. It was a detailed process but understandable. Thanks all!"

Soonthone Phasavath, New Customer

Tifhany

"This guy Iran, boy did he come through for me. His professionalism, His communication skills were top knotch. He kept me informed through the whole process and even after. I appreciate everything he did for me!!! Thanks again Iran! "

Tifhany, Alabama

Paul Louis

"Great customer service They were very helpful and was able to help me and my company. I appreciate you guys."

Paul Louis, Helpful

Mayra Ramirez Guzman

"I am so thankful that I found TMR when I really needed funding to grow my business. Jay helped me tremendously through out the process and was able to get me funded quickly. If you are in need of funds and get denied by other lenders you should look into TMR because they are legit and help you get funded fast! "

Mayra Ramirez Guzman, Pennsylvania

David Steadman

"Clarens and TMR believed in our mission with coffee and expansion! "

David Steadman, OWNER

Gina Summers

"I absolutely love working with Tom Neese. Tom was so awesome, walked me through how the company works with their clients. TMR helped me when I struggled with other finance companies and banks. The most important thing is Tom made me and my company feel very important. He made sure my payments where in the dollar range I really needed and was always there to answer my questions. I HIGHLY recommend Tom and Total Merchant Resources!"

Gina Summers, New Albany, Indiana

Belinda Polanco

"This experience was a breeze. Stephanie and Eric where so easy to work with and there professionalism and communication was 100%. The process was very simple and I would do it 1000 times over again. Thank you for everything!!!!!!"

Belinda Polanco, The easiest process I ever experienced

Daniel colon

"My guy Alex came through in a tight situation and basically saved my company. He did what no one else could and got me funded. I was able to pay my crews before I was paid. Kept my crews working on. "

Daniel colon, Florida

Rodrigo DeOliveira

"When it comes to small Buisness lending , there’s guys are the real deal. Would not have make it through 2022 without them! "

Rodrigo DeOliveira, Buisness Owner

Dakota Britton

"I have been using TMR for about a year now. They have helped tremendously with funds to help grow and expand my business. Alex has been always there to answer any questions as well as help with growing my business. Would recommend to anyone who asks"

Dakota Britton, Owner of D.J.B Roofing & Siding

Calvin Krech

"Jason and the whole company are amazing. Not just at what they do but as people. Though I did not get funding with them, they guided me to a better solution for myself and my business. I’m young in years and business experience. Thinking the best thing to do was get a loan, they taught me alternatives that were much more beneficial for me at my current stage. I will be coming back in the future! "

Calvin Krech, Client

Jeremy

"What they say, they do. We were looking for funding, but as a new business, most banks that “prequalified” us turned us down. Not TMR, they give you a chance. "

Jeremy, Owner

William C

"TMR is a good company and will take care of your loan needs. I had a great experience working with Alex, each time I had a question he delivered a great answer, I had plenty of questions and was really hesitant. Once we dialed in all the numbers I pulled the triggered and got funds within a matter of minutes. I will definitely use them in the future. Thank you TMR! "

William C, Plumbing

Ryan Zeber

"Working with Alex was a great, experience, and he was completely honest and informative. His knowledge of the business and work ethic was the main reason my deal funded.. Im looking foreword to many more deals.."

Ryan Zeber, CEO

Markus

"Best company by far if you want extend your business and you need help!! Costumer service is one of da best I ever deal with. If Alex is your guy don’t worry about anything he will help you!! I would recommend this company to anyone who i know then need extra money!!! Thank you Alex you are DA MAN !! Thank you TMR looking forward to long term business 💪 "

Markus, Owner of DA BAR

Dakota Britton

"Alex has always been helpful with me when ever I had any questions about things. I am happy I have found TMR to help fund my business!"

Dakota Britton, Owner of D.J.B Roofing & Sidingg

Dennis Rumardo

"Service was outstanding. Very explainable every detailed. Will definitely recommend! Thank You James Boozer!"

Dennis Rumardo, Borrower

Andrew Blume

"Val and his team @ Total Merchant Resources have been a life line for my business. Personable, friendly and reliable. Don’t know where I would be without their services. Looking forward to our continued business."

Andrew Blume, OWNER AT Two Men and an Appetite

Dawn Lepkowski

"Total Merchant Resources is always very helpful and an amazing person to work with. I have been doing business with your company for 3 years and wouldn't want anyone else to handle my account. He makes you feel very comfortable in the process of getting the loan and is extremely knowledgeable in the loan process."

Dawn Lepkowski, OWNER AT Belmont Cafe

Ernest J. Reilly

"Total Merchant Resources and Val Pinkhasov has been a big part of T.E.E.M.’s growth. Mr. Pinkhasov has been easy to work with and most importantly he provide one thing the rest of the Industry doesn’t, he provides integrity, truthfulness and a personal touch. It’s been a pleasure working with Mr. Pinkhasov, over the last 5 years."

Ernest J. Reilly, Founder/CEO AT TEEM Academy

Barbara Lewis

"We all have a cash flow problem at one time or another and if you are having the problem, TMR is your solution. The process is painless and fast. Val and his staff are knowledgeable, courteous and efficient. Call Val today."

Barbara Lewis, OWNER AT Lewis Janitorial Supply

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