How An Express Working Capital Merchant Cash Advance Works for You

What We Do
Express Working Capital purchases a portion of your future credit card sales at a discount. We then collect a percentage of your future daily Visa/MasterCard/Discover sales directly from your credit card processor until paid in full. Repayment is automatic. You never have to worry about writing checks, making timely payments, or paying late fees. That's it. And, once you have paid down your advance to approximately 25% of its original balance, you can renew your advance to get additional capital, if needed. Renewal is easy and fast. In most cases, funds will be deposited into your account the next business day.

What You Do
Here’s all you have to do in order to receive the funding you deserve:

1. Submit your application and at least 6 months of credit card processing statements for review.  
2. A Funding Coordinator will contact you to learn more about your needs and discuss the specifics of our proposal. Once you have agreed to the terms of the proposal, we’ll ask you to submit a few other documents for final approval. After final approval, we will send you our agreement for your review.   
3. Simply sign and return our agreement and, within a few days, funds will be deposited automatically into your business bank account.
4. Once you receive your cash, Express Working Capital will begin collecting a small, agreed-upon percentage of your daily Visa/MasterCard/Discover sales until our agreement is fully executed. The credit card processor will transfer funds automatically and electronically. There’s no additional work on your part.

Qualifications for Funding
To qualify, you must:

1. Run a traditional retail/service/restaurant business with at least one year remaining on your lease.
2. Have a fixed business location.
3. Be in business for more than one year (there are exceptions).
4. Have a minimum monthly credit card volume of $25,000 (there are exceptions).
5. Not be behind in rent or mortgage payments.
6. Have no current, open bankruptcy proceedings.

Please visit our FAQs page if you still have questions or need additional answers.