A Merchant Cash Advance is not a loan, but rather the purchase of future credit card receivables. It is a factoring offshoot that enables small business owners to turn future income into cash-in-hand today.

Hypothetical example: Our firm may purchase $13,000 worth of your future card revenue for the price of $10,000. In order to recoup our purchase, we determine a set fixed percentage to withhold from each each credit/debit card transaction you generate. The percentage withheld is not the same for everyone, nor is the cost of funds. You should ask one of our representatives about the terms you will likely qualify for.

The amount of capital you request relative to your average monthly credit card processing volume is a major factor in the options presented to you. We don't believe in a one-size-fits all model because we realize the cash flow need of every business is different.

There are several unique benefits to a Merchant Cash Advance with N.Y.C.M.S.
  • Minimal credit score requirements (Only need a FICO score of 500)
  • No Financial statements necessary
  • No collateral
  • Fast approval process
  • Minimal paperwork


In this economy, Merchant Cash Advances are a means for business owners to reach their goals. At our firm, we employ experts with specialized experience in the Merchant Cash Advance field. We work diligently to find you the largest amount of capital and at the lowest cost. When Main Street comes calling, we make sure we deliver. Contact our experts today.

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