Frequently Asked Questions



How does the program work?

We purchase a set dollar amount of your future Visa/MasterCard sales at a discount, in exchange we pay you cash today. Then, through an automated process, we seamlessly collect the set dollar amount by taking a small percentage from each of your future Visa/MasterCard sales. Our unsecured small business loans are a terrific alternative to those who have been unsuccessful in obtaining bad credit business loans.

How long does it take to get approved for funding?

Merchant Money Network approves applications within 24 hours and funds within 7 business days.  Unlike unsecured small business loans or bad credit business loans; that may take weeks to obtain or even receive an answer, we work quickly to get you the cash you need.

Why is MMN the most flexible option available to manage my cash flow needs?

We are not a lender or a traditional source of financing! No hoops to jump through, no tax returns, no liens, no cumbersome fixed loan repayments keeping you up at night and no bankers saying “no.“ 

Unlike bad credit business loans and unsecured small business loans, there are no fixed payments to worry about. We simply buy a portion of your future Visa/MasterCard receipts; in exchange we pay you cash today and, here is the best part, we only get paid as quickly as your business allows. In other words, the amount that you pay MMN each month is determined by how well your business performs. We are true partners in your success. 

How do I know if I qualify?

If you have been in business more than 12 months, have at least $5,000 of monthly Visa/MasterCard receipts, and meet some other simple requirements, you will most likely qualify. Submit an application today to get the process started. 

How do I know how much I have left to pay?

We send you a monthly statement.   You can also track your payments through our secure merchant web login.

I can't find any unsecured small business loans, can you help me?

Yes! Although we are not a loan we are unsecured.  We do not require personal or business collateral.

Are merchant cash advances a good alternative to bad credit business loans?

Yes! The truth is that bad credit business loans are very difficult to obtain.  We are not a lender!  Our unsecured small business loans are actually an advance against future credit card sales.  Use the power of your future sales to get the cash you need today!

How do I make payments?

We work seamlessly with your credit card processor and take a small percentage of your daily Visa/MasterCard sales. There are no payment coupons, late fees or prepayment penalties. 

Who can I contact to learn more?

You can call our Customer Support Center at 800 763 8959 between the hours of 8:00 am and 5 pm EST. They will be happy to answer any more questions you may have about our services. 

What if I already have a business loan?

Our product is an advance, not a loan.  As long as you qualify and meet our requirements we can provide you the cash very quickly without affecting your other obligations.  Whether you have a secured business loan, a bad credit business loans or unsecured small business loans we can still work with you. Furthermore, because our obligation does not appear on your credit report as a trade line we do not encumber you and your business from receiving a loan once we are in place.

I have a merchant cash advance with another company, can MMN replace that arrangement and offer me more money?

We often offer larger advances at better terms then our competitors and will pay off your existing advance if it is in your business’s best interest.  Contact us and find out how much you are qualified to receive – please have your current balance from your current provider available when you call.

What can the Merchant Cash Advance be used for?

Merchant Money Network places no restrictions on how you choose to use the cash.  Common uses include the purchase of inventory, purchase of equipment, remodeling, expansion, payoff debt and taxes.

Is there an application fee?

NO! There is no cost or obligation associated with submitting the application and processing statements.  Once submitted we will provide you a proposal for funding and you can make the best decision for your business.

Why a small business cash advance from MMN?

Why a small business cash advance from MMN? The small business cash advance provides the capital that businesses need without the obstacles inherent with traditional lending. Appealing to banks and conventional lending institutions can mean lengthy waiting times, rigorous review of financial records, and the possibility of loan denial – or a less than adequate credit line – because of past credit indiscretions. But with a business cash advance from MMN, businesses are free from the constraints of traditional lending processes. With MMN, the business cash advance replaces the need for bank approval, removes the lengthy wait time, and puts cash in the pockets of businesses that need the cash today to respond to the many financial obligations faced by small businesses every day. Our commitment to our customers is to provide them with a fast and convenient alternative for finding the financing that they need; we give small businesses a leg up in meeting their financial obligations without the hassle; without the limitations.

Why a small business cash advance from MMN? Because we are connected directly to the funding source for business cash advance and you won’t be handed off to a third party that adds cost and time to the funding process.


When you need cash you need it fast. MMN is the leader in the small business cash advance. We also understand that entrepreneurs frequently have credit challenges that banks just can’t overcome. Don’t worry if you’ve had a previous history of bad credit business loans.
When you submit an application to us, you will receive a preliminary approval of your business cash advance within the same day that you submit. The application process takes about 15 minutes of your time, and the supporting information that we will request in reaching a final approval of your business cash advance generally consists of a recent bank statement and a copy of your business license. We fund the small business cash advance within 5 to 7 days after you submit the information compared to 60 days with bank financing. If you have a history of bad credit business loans, it could take you months to receive financing from a bank.

A business cash advance from MMN is cash flow friendly. We simply collect a percentage of future Visa and MasterCard sales volume. If your business has a strong month, we benefit by collecting a little more, if your business has a weak month, we collect less. In other words, we ride out the good and bad times with you. There are no fixed monthly payments that accompany unsecured business loans. A small business cash advance can be just what you need to solve your business cash advance needs and take your business to the next level.

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