Small business capital for your big ideas

The Merchant Cash Advance is the first product we offered, and over a decade later, is still at the heart of what ATGPOS is all about. Our goal is to remove the financial barriers that stand between you and the growth of your small business. Our Merchant Cash Advance does that by providing the small business capital you need to put your ideas in motion and your funds to work quickly. How quickly? You could be approved in 24 hours and receive your funds in as little as 7 to 10 days.

A merchant cash advance is a business cash advance program that provides you with a sum of capital by purchasing a set amount of your future credit/debit card sales. Instead of making fixed monthly payments, ATGPOS works with your natural cash flow, automatically deducting a small percentage from your credit/debit card sales until the cash advance is repaid in full. This allows businesses the flexibility to make lower payments during periods when cash flow slows down.

The answer is no. Because our cash advance program is based on the strength of your business rather than the strength of your personal credit history, a low credit score will not prevent you from acquiring the cash you need.

• Very high approval rates


• Fast approval - funds in 7-10 days


• Simple applications with no complicated paperwork


• No personal collateral of personal guaranties required

The capital you need, when you need it

It takes an incredible amount of patience to watch an idea grow into a flourishing business. Thankfully, you don't need to be so patient when it comes to obtaining the capital your business needs. With a merchant cash advance, you can get funding in as little as 7 to 10 days, and immediately put those funds to work for your bottom line. Use the cash for whatever your business needs to keep its doors open and continue growing, whether that means purchasing new equipment, hiring new employees or making all your payments on time.

Our Standard Merchant Cash Advance can provide your business with anywhere from $5,000 to $500,000 in instant cash flow paid back against your future credit card sales. The Standard Funding Program has an easy application process, high approval rates and no out-of-pocket costs or personal collateral. Since we don't require fixed monthly payments, if your sales decrease, so does the amount you pay back during that period.

We've made applying for our program as straightforward as possible, and do not depend on high credit scores for approval. Before applying for our program, check the following list of requirements to make sure your business qualifies.

• You must process at least $7,500 a month in credit card sales from your customers for at least 60 days.


• You must have a minimum FICO credit score of 500


• You must process credit cards at least 12 days out of each month.


• 0.3+*=09+You must be current with your landlord.


• You must have at least 12 months left on your lease if you are renting your business location.


• You cannot have any open bankruptcies in the last 12 months.

Rewarding your strong credit score

More established businesses have different needs than those in their earliest stages of development. Your business is off the ground, you have satisfied customers and are looking for opportunities to grow and improve. Unfortunately, that doesn't mean it's easy to get timely funding from your bank when you need it most.

That's why ATGPOS designed a special merchant cash advance program tailored to your unique needs. Small businesses with strong credit scores and a proven history of success are eligible for our Platinum Funding Program. With no out-of-pocket costs, personal collateral or fixed monthly payments (if sales slowdown, so does the payback amount during that period) our Platinum Merchant Cash Advance is an effective alternative to traditional bank loans. Eligible businesses could receive instant capital between $20,000 and $500,000 in as little as 7-10 days.

We understand how hard it is to earn a high credit score in today's economy, and as a result, our Platinum Funding Program was made to reward your hard work. Like the Standard Cash Advance, the Platinum Funding Program gives you working capital against your future credit card sales, but at a lower cost than the Standard Funding Program.

We've made applying for our program as straightforward as possible, and do not depend on high credit scores for approval. Before applying for our program, check the following list of requirements to make sure your business qualifies.

• You have a merchant account processing at least $20,000 a month in credit card/debit card sales from your customers for at least 60 days.


• You are current with your landlord.


• You have at least 12 months left on your lease if you are renting your business location.


• You have no open bankruptcies in the last 12 months.


• You have a minimum FICO credit score of 640


• You have an operating history of at least 2 years.

Our application process is straightforward and easy to understand. Because we do not require business plans, lengthy financial records, etc., the pre-application can be completed online in a few minutes. Apply today by filling out the form on the right to start the process. An ATGPOS representative will follow up with you promptly. Or, if you'd like to speak to a representative right away, visit our Contact Us page.
If you do not meet the requirements for our Platinum Merchant Cash Advance, don't be discouraged. We offer a variety of programs to fit your financial needs. Check out our Standard Merchant Cash Advance.

A loan solution built for Main Street

There are over 27 million small businesses in the United States today. They're fueled by innovative ideas and a dedication to hard work that keeps the American economy running. We believe in small businesses and their owners.

Through our business lending branch, we offer non-traditional loans designed to make financing accessible to a range of these small businesses. Whether a mom and pop shop needs $5,000 or a rapidly expanding business is looking for $500,000, our diverse selection of loan programs can suit their needs. These loans provide the capital you need to continue to grow your business and be a part of what makes this country great.

• No credit card processing required (Unlike our merchant cash advance programs)


• Sole focus on small businesses


• Accessible to most credit types


• Simple applications with no complicated paperwork or business plans


• Approval in as little as 24 hours


• Funds available in 7 to 10 business days

Swift loans for your small business

Every small business starts with an idea and a dream. Now that you've come this far, you'll need funding to grow that ambition into a thriving enterprise. For a young business, no plan to upgrade or expand an operation comes cheap. We reduce the barriers that keep small businesses from obtaining the capital they need so you can put your funds to work quickly.

We offer a non-traditional small business loan through our business lending branch that doesn't require credit card processing. With the Standard Funding Program, we can provide your business with funds between $5,000 and $500,000. You can get approval of your application in as little as 24 hours - without a formal business plan or perfect credit. We understand you're busy maintaining your business, so we make it easy for you.

• Quick approval. In as little as 24 hours, you can receive approval of your loan.


• Fast funds. Typically receive funds within 7 to 10 days.


• Zero hassle. No fussing over mindless paperwork and formal business plans.


• Worry free. Most credit types accepted.


• Simple. No credit card acceptance required.


• You have an operating history of at least 2 years.

• 525+ Fair Issac Corporation (FICO) credit score


• In business a minimum of one year


• $5,000 minimum loan

A loan solution for your established business

What started as a pipe dream to get a business off the ground has evolved into a living, breathing success story. As you look forward to new avenues for growth and expansion to keep your customers happy, consider how access to more working capital would contribute to your continued success.

The Platinum Funding Program is designed for more established businesses with strong sales and credit histories. Offered through our business lending branch, this program provides you with a non-traditional loan between $15,000 and $500,000 at a lower cost than our Standard Funding Program. This loan provides you with greater flexibility and a fast approval with no need for a formal business plan. We understand that obtaining funds in this economic climate is a challenge, even for businesses with a proven track record. With our non-traditional small business loans and efficient underwriting process, you can access the capital you need quickly.

• Fast approval. In as little as 24 hours, you can receive approval of your loan.


• Rapid funds. Typically receive funds in 7-10 days.


• No hassle. No fussing over mindless paperwork and formal business plans.


• Fewer obstacles. No credit card acceptance required.


• Special benefits. More affordable and flexible pricing structure compared to the Standard Funding program.

• 640+ Fair Issac Corporation (FICO) score


• In business a minimum of two years


• $15,000 minimum loan