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We specialize in helping small merchants with funding. If you process less than $3,000 in credit cards per month, we can still fund your business.

Most merchant cash advance and business funding companies will not work with micro merchants, or merchants that process less than $5,000 per month in credit card volume. These smaller merchants have difficulty finding the working capital they need to grow. A small business could double or triple in size with a small injection of working capital. Our micro merchant funding program is designed specifically for merchants that process anywhere from $1000-$5000 per month credit card sales.

Get up to $5,000 for your Small Business FAST – Fill out this form today!

A Vital Line of Credit

Once you are approved with 1st American Merchant Funding for a micro cash advance, your business has quick access to working capital when it’s needed. Get funds into your account within 48 hours once approved. 80% of our merchants renew with us and most get 5+ advances. The reason merchants renew is because we fund growth. Smart merchants are continually growing their business. We provide the working capital to allow for rapid growth.

Bad Credit? No Credit? No Problem!

We do not base our approvals on personal credit or business financials. We are looking at the sales and revenue history of your business. As long as your business is making regular deposits into your bank account, your approved! We work with sub 500 credit scores, open unresolved tax liens, bankruptcies, charge offs and more. Because a merchant cash advance is a sales transaction, not a loan, we are not reliant on credit bureau ratings.

No matter the credit or financial situation we can help you. Our bad credit business loan alternatives have helped thousands of business owners get funding fast. Call us today at (800) 261-3173 to learn more about how we can help you with a merchant cash advance.

How Does it Work?


We advance you up to 200% of your monthly credit card sales
We agree on a set amount for you to payback for the advance
We hold back a percentage of your daily credit card sales until it’s paid back