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Business Financing

Diverse Merchants. Diverse Funding Options.



Benefits of Merchant Funding

  • Fast Funding

    Our business funding programs can have money in your bank in as little as 72 hours.

  • No Hassle

    Your payments are automatically held from your credit card transactions. No fixed monthly payments.

  • High Approvals

    A merchant cash advance approval is based on business performance rather than personal credit, time in business or financials.

  • Easy Collections

    We get paid when you get paid. Our payment is a percentage of your daily sales.


Merchant Cash Advance

Learn why this business funding alternative is becoming one of the most popular forms of financing for small business owners and why many choose a merchant cash advance over traditional business funding. Many business owners think a merchant cash advance is a short term loan, or a high interest advance. In actuality it is simply a sale. 1st American Merchant Advance is purchasing your future sales at a discount. Both parties agree to the amount of sales being purchased and for what discounted cost.

Small Business funding

  • Strict Credit Requirements
  • Long Wait Times for Funding
  • Complicated Contracts
  • Extensive Documentation
  • Lower Approval Rates

Merchant Cash Advance

  • Credit Scores Below 500 Approved
  • Receive your Funds within 72 Hours
  • Simple, flexible programs
  • No tax returns or financials required
  • Fast Application Process

ACH Program

Our popular ACH funding program, also called “Bank Only” funding allows us to fund merchants even if they don’t have a merchant account.A business cash advance is an alternative to a traditional bank loan. Business loans can be difficult to obtain, strict credit requirements and the lengthy application process prevent most business owners from getting additional working capital. Business owners need working capital in order to grow, we provide you access to funds at a relatively reasonable cost.

Do I Qualify

  • 500 FICO Score
  • 6 Months in Business
  • 10k in Gross Monthly Deposits
  • Less than 3 NSF's Per Month

Getting a bank only merchant cash advance or an “ACH Only” advance is relatively easy. We will evaluate your gross monthly deposits into your business checking account over the last 3-6 months. The amount available to you is based on the number of deposits and the average monthly revenue of your business.

Fill out our application now to get started!

With our ACH funding program there are no tax returns, or financials required to receive funding. We just need 3-6 months of business bank statements, a copy of your drivers license, a copy of a voided check and a copy of your lease with landlord contact information. You can receive your funds in as little as 5 days.


High Risk Business Funding

We Understand.

Here at 1st American, we understand the challenges that high risk business models face. In business, growth doesn’t always remain on an upswing. There may be dips and valleys along the way. A high risk business usually indicates higher volume and therefore the potential for greater profit. First American has the experience and flexibility from working with this business model to help you achieve success. Have questions? Feel free to email us. Otherwise, don't hesitate.

Apply Now

Consumer Financing

One of the most common requests we heard from our merchant base was for a “90 days same as cash” program for their customers. Small business owners want to offer their customers financing, just like the bigger chain stores. We have developed a solution that offers merchants unmatched opportunity for growth.

Our program is simple, all your customers need to get financed is a personal checking account. Your customers simply answers a few questions that you enter into a credit card processing terminal. The terminal will provide you with an authorization number or a decline. If approved your customer will have monthly payments automatically debited from their checking account. They will pay an interest rate based on your business type.

    Just Some of the Industries We Finance


  • Automotive Repair
  • Auto Sales
  • Appliance Sales
  • Medical & Dental Services
  • Bicycles
  • Electronics
  • Cosmetic
  • Funeral Homes
  • Furniture
  • Exercise Equipment
  • Home Improvement
  • RV Dealerships
  • Services Training
  • Transmission Repair
  • Veterinary Services