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Retail is Competitive

We Can Help Bag Your Loan

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Focus on Customers

As the owner of a retail business you may be surprised to learn that banks consider your business high risk when it comes to loans. The unfortunate reality is that banking institutions shy away from providing loans to businesses that are cash intensive, including most retail industries. In fact, a recent Pepperdine University study found that banks declined 60% of small business loan applications over the course of a fiscal year. So where can a retailer turn for financing? FAM can help you find providers that are willing to work with you and aren’t scared of your retail business. We can fund almost any merchant; sign up and see for yourself!

Trouble Deciding? Email Our Sales Team for more info!

How much capital do you need?

Get approved for up to $100,000. Need more? Our experienced staff can help. $2500$100,000
  • Payback Length


  • Total Fees


  • Apply Now!
*Length based on terms, funding amount, and other factors.

Already Trusted by Thousands of Owners

First American Merchant is already a trusted funding source for countless business owners. The majority of our merchants return to us again, and again when their business require capital. Whether your practice is large, or small, we have the funding options you need to grow your business.

The retail space is saturated and competitive, with retail business owners fighting tooth and nail for leadership both online, and through their local brick and mortar stores. With seasonal business pushing most retail sales for the year, it can often be difficult to maintain your business through the lulls between seasonal business.

For years FAM has been helping business owners mitigate their seasonal downswings by providing the capital they need to hire new drivers, repair your fleet, or simply to facilitate the overhead requirements you might need to take on a large commercial partnership that will benefit your retail business.

The First American Merchant Difference

Traditional Lenders

  • Strict Document Requirements
  • Long Application Process
  • Decisions Can Take Weeks
  • Outsourced Customer Service
  • Limited Funding Requirements
  • Credit-based Approvals

  • Minimal Documentation Needed*
  • Application Takes Minutes
  • Same or Next Day Approvals
  • In-house Customer Service
  • Multiple Funding Options Available
  • Decisions Based on Income
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*In most cases, only 3 months of processing statements are required

Funding That Works For You

First American Merchant Funding is the perfect partner for your business. We have a quick application process, we fund fast, and we have the capacity to assist funding even the largest businesses. Need a few hundred thousand dollars to get your business moving in the right direction? We’re happy to help.

We have some of the best repayment rates in the industry. What are you waiting for? Get started now and watch your business grow!

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Working Capital

We provide the entrepreneur alternative ways to gain access to working capital. Our flexible and affordable repayment options are designed to minimize the burden on your pocket!

Easy Approvals

Unlike a bank, we have fewer requirements for funding approval and we don’t base our decision on your credit rating. Contact us today to see how First American Merchant Funding can work for you!

Large-scale Funding

Your business is an expensive venture, imagine the peace of mind you’ll have with up to $1 million in unsecured capital available and ready for all of your financial challenges.

We Can Help You Move Your Business Forward

Get a Funding Partner

You’ve already done the hard work and started your business. Leave the rest to us.

We have a fast approval process, and will have your funds deposited into your account quickly, sometimes in as little as 24 hours.

Apply Now
Fill out our online application. It takes just a few minutes to complete.
We’ll follow up with you to finalize the process and set up your account.
That’s it! There is no Step 3! *Your Funds will be deposited into your account immediately!
*Due to differing bank policies, it can several business days before your funds are available.

Our Application Process is Quick and Easy

In just a few short steps, we’ll have everything we need
and you’ll be on your way to accepting payments

Get Started Now