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We work with all credit score ranges

About First American

1st American Merchant Advance is one of the Nations leading provider of alternative business financing and working capital...

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Cash Advance

iconA merchant cash advance is becoming one of the most popular sources for small business working capital.

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Customer Financing

iconHow can you get your customers to spend more? Offer them 3,6 or 12 month financing.

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Credit Card Processing

iconTransparent and honest pricing. Reliable and attentive customer service. Save money today.

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America's Top Loan Alternative

Unique Funding Solutions for Credit-Challenged Merchants.

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Business Loans

Get funding with just a few clicks

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Alternative Business Loans

Unique Funding Solutions for credit-challenged merchants.

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Financing Plans For Your Customers

Offer your customer 3, 6 or 12 month financing options risk free.

Small Business Loans

SBA Loans: Find out what matters to you.

Merchant Cash Advance

A merchant cash advance is a popular alternative to a traditional bank loan. Unlike a bank loan, you can be approved if you’ve been in business less than a year, and if you have credit scores as low as 460. A merchant cash advance is a form of receivables financing that looks more at the strength of your businesses cash flow than your personal credit. Recently banks have tightened their credit requirements for business loans, especially for newer merchants, so this new form of alternative business funding is growing in popularity.

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ACH "Bank Only" Funding

You may have applied for a merchant cash advance in the past and been declined because you don't have a merchant account, or your credit card volume did not meet the requirements. At 1st American Merchant Funding we offer a unique funding program where no merchant account is needed. We will approve you based on the total monthly gross deposits made into your business checking account. Your repayment will be automatically withdrawn from your checking account. In order to qualify your business must do at least $10,000 per month in gross sales.

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Financing for Your Customers

Do you want your customers to spend more at your business? Do your customers want to spend more with you but they don't have the money? We now offer our merchants a program that allows you to give your customers 3, 6 or 12 month financing up to $5,000. This is a great solution for automotive shops, dentists, furniture and bed stores, electronic stores and any other business that wants to offer financing to their customers. The approval process is easy, all your customers need is a check. You get paid the full amount in a few days and we collect the payment from your customers. No liability for you, just increased sales!

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Credit Card Processing

1st American Merchant Funding offers credit card processing and merchant services to thousands of business owners across the country. Our transparent pricing and attentive customer service have helped us become a leader in payment processing. When business owners receive funding from us, they often switch their credit card processing services to us because we can guarantee them a savings. Our volume allows us to offer pricing below any competitor on the market.

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Giving Back

We are proud to support Global Green USA a charity based locally in Santa Monica, CA that is fostering a global value shift toward a sustainable and secure future.

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