Merchant Cash Advances (MCA)
Get Fast Access to the Working Capital You Need

A Merchant Cash Advance provides fast funding for small business owners. Improve your business cash flow with a lump sum payment to grow your business. We offer the best merchant cash advance program in New York City, NY

A Merchant Cash Advance is not a loan.
It’s an advance of funds based on your
future debit and credit card sales.

A Merchant Cash Advance, or MCA, provides small businesses with an alternative type of business financing compared with traditional lines of credit and bank loans. Our small business partner receives funds as a lump sum from a merchant cash advance provider. Payments are a fixed percentage of sales, not a fixed amount, so you pay more when your sales are strong and less if sales slow down. Merchant Cash Advances are a good fit for for small businesses that need capital immediately to cover cash flow shortage or short-term expenses.

Fast Funding

Get approved in 1 to 2 business days and receive your funding 2 to 3 business days afterwards. Help small businesses to immediately address their financial needs with fast and easy access to working capital.

Automated Repayment Plans

Your credit card processing volume will automatically adjust your monthly payments. If you have a slow month, your MCA will account the differences in your monthly processing.

No Collateral Financing

Eliminate the need for collateral of your business property and equipment to minimize risk of your business assets. No personal guarantee.

No Credit Impact

No hard credit pull makes no impact to your credit score. Focus on business potential and sales history, making it easier for less-than-perfect businesses to qualify and benefit.

All Purpose Funding

Give businesses the power to address their unique needs without being required to spend on inventory or equipment.

Grow Your Business

Propel business growth and increase profitability potential when expanding to new markets or launching new products and services.

Fast Business Financing for Small Businesses

Quick and Convenient

Our application process with Clover Capital enables merchants to get easier and faster access to working capital than the traditional loan process. We'll take a quick look at your processing history to determine your eligibility and the amount of funding.

Who Qualifies?

Your business must be at least 6 months old from incorporation with a minimum processing volume of $1,000/month for 3 months to prove your business activity. Additional qualifications apply so please get in contact with us so we can walk you through the process.

Flexible Payment Terms

A percentage of your daily debit and credit card sales volume will be automatically set aside to pay for your cash advance. Once you've applied for and used a cash advance with us, you'll have built up history and have even easier access to more working capital.

It’s Time to Revamp Your Small Business

Upgrade Equipment

Streamline your business operations and improve performance, capability and capacity by bringing in new hardware and equipment.

Hire More Employees

Invest in and take on more workers to ramp up productivity and build your business capabilities.

Buy More Inventory

Capture missing sales and ensure that you're always on top of popular item inventory. Regularly selling out of your most popular items is a sure sign that you need to reevaluate your inventory volume.

Grow Your Audience

Utilize smart and creative marketing initiatives to reach a larger audience and build your network.

How It Works

Clover Capital will automatically send an email with full details to prequalified FiServ merchants.
Are you a merchant using different processing platforms? No worries. We do have other programs available for you.

1. Apply within minutes

- If you’re eligible, you will receive an email offer.

2. Review your offers

3. Get funded

4. Enjoy automated payment

5. Repeat

6 Reasons Why Fides Bankcard’s
Merchant Cash Advance Offers
the Best Small Business Funding

Approval Process
Speed to Funding
Collateral Requirements
Credit Score
Credit Check
Paper Intensive
Approval Process
Speed to Funding
Collateral Requirements
Credit Score
680+ FICO
Credit Check
Hard Pull
Direct Lenders
Multi-Page Application
Approval Process
Speed to Funding
Collateral Requirements
Sometimes Required
Credit Score
600+ FICO
Credit Check
Hard Pull
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Our major Merchant Cash Advance provider is through Clover Capital.

Fiserv is responsible for all costs: capital, service, product enhancements, and risk of default.
If you’re interested, please give us a chat and we’ll be happy to provide you with all of the options related to MCAs and more.

Fides Bankcard is here to help


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Talk with a Sales Expert to figure out the best product and solution fit for your business

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Get support for your questions about our products and solutions. Visit our Knowledge Base to access helpful tips, articles and FAQs about Payments.