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ACH loan Blog Posts

By First American Merchant

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6 Ways to Improve Workplace Atmosphere and Boost Productivity

Before you know it, the pressure and stress of staying on top of day-to-day tasks can take up all your time and effort. It is easy to overlook the state of your company’s workplace atmosphere and the productivity of your employees. You obviously want your workplace to be as efficient as possible, so you can help avoid problems down the road. The following six tips will help you effectively manage and improve your workplace environment, while also boosting productivity. 1.      Focus on Company Culture Your company culture defines the environment in which your employees work. It involves shared […]

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Is It Difficult to Get an ACH Loan?

One of the more innovative products available in the alternative lending marketplace is an ACH loan (sometimes called an ACH advance or cash flow loan). ACH loans are a broad category of business loans that are specific in the way in which they are paid back. When you apply for an ACH loan, a prospective lender (like First American Merchant) will review your business’s checking account statements, typically going back several months. Why would they do this? Simply to get a sense of your average daily closing balance, which helps them determine how much of a loan to offer you, […]

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Get Approved for an ACH Loan

Are you looking for business funding for your company? Take the time to do some research and find a reputable business loan provider that will help you take your business off the ground and grow. Consider turning to, an award-winning business loan provider and high risk processor that boasts an A+ rating with the BBB. First American Merchant offers the following types of business funding to merchants so that they can take their business to the next level: Merchant Cash Advance ACH Program High Risk Business Funding Consumer Financing ACH “Bank Only” Program from First American Merchant If you’re […]

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ACH Payment Processing

The National Automated Clearinghouse Association (NACHA), the Electronics Payments Association, has recently announced that ACH (Automated Clearing House) overall transaction volume in 2016 made up 25.6 billion. According to NACHA, the 25.6 billion transaction volume represented a 5.3% increase over 2015 volume. This is the 3rd consecutive year, in which the volume has grown by a billion transactions or more over the previous year. Moreover, in 2016, the ACH Network processed $43.7 trillion, which represented a 5.1% growth from 2015. When it comes to the launch of Same Day ACH in September 2016, the payment type was responsible for over […]

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The Advantages of Choosing an ACH Loan For Your Business

In the U.S., there is an expanding electronic network that enables financial transactions between entities with bank accounts. The Automated Clearing House (ACH) payments are electronic payments that happen via the ACH network. ACH payments make it easier for high risk businesses to acquire working capital loans. ACH loans help merchants cut through long wait times and give merchants fast access to cash. If you are a merchant in the high risk industry, this loan option may be right for you. Why Choose ACH Loans Bad Credit is No Problem. ACH loan providers don’t base loans on credit history. Instead […]

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Consider Your Financing Options: From Traditional Bank Loans to ACH Loans

Believe it or not, the number of business funding options at your disposal is virtually limitless. The real difference between them is that each will vary in their difficulty to acquire. Fortunately for the entrepreneur, the variety of services available means more business dreams becoming a reality. Before you settle for seeking the standard bank loan, consider the numerous alternative methods available today: Traditional Bank Loan. Typically the first place an entrepreneur goes, this traditional financing route involves setting up a meeting and filling out a loan application; that is, only if the bank offers small business lending options. This […]

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Is an ACH Loan or a Merchant Cash Advance Best for My Business?

Starting a business requires a lot of planning and research. One of the central questions that entrepreneurs must answer is what types of loans they will pursue? Two types of loans commonly used by businesses are Merchant Cash Advances and ACH Loans. The following is a quick overview of the differences between the two. Merchant Cash Advances Merchant cash advances are not technically loans; they are actually cash infusions based on sales that take a portion of future credit card sales. Some merchants prefer these terms, as they don’t require merchants to pay back monies by a specific date. Plus […]

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Women Merchants Should Not Devalue Their Worth

More and more women are becoming merchants, and for some the main issue comes in the form of pricing. It can be hard to break into any industry, and while we are in the 21st Century, women merchants are still looked at differently than their male counterparts. Because of this, many women choose to undervalue or undersell their services. This should not be what happens, and women should take control of their business, by pricing their services at the industry-standard and not by a short-selled price. One main issue comes with marketing and getting the word out. Social media is […]

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ACH Loans are the Superior Option for Merchants in Need of Funding

An ACH loan is something that is talked about in the processing industry, but many merchants are not familiar with the process. They may hear the term “loan”, and fear a bank loan and all of its damaging aspects. However, an ACH loan is in a whole other realm than a bank loan, and that is a good thing for you, your customers, and your future credit. Below are some key aspects of an ACH loan. An ACH loan, such as the one offered by FAM, is considered a “bank only” loan, because you can use it as a funding […]

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Why Your Business Needs An ACH Business Loan

Why Not Traditional Loans If you are to believe the traditional banks and other lending institutions regarding loans, you would end up believing that getting these loans and servicing them is as easy as they make it appear to be. However, one experience doing so is more than enough for you to realize that reality differs from what you are being fed. Truth is, these traditional loans are not just extremely difficult to service, but it is also a complete hassle to get your hands on them if you are a new business. First you have to make sure you […]

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