Financing for Your Business & Your Customers
Two financing solutions under one roof — working capital to grow your business, and point-of-sale financing to help your customers say yes to bigger purchases.
Merchant Financing
Access working capital based on your processing history — no lengthy bank application, no collateral required. Whether you need to cover inventory, hire staff, buy equipment, or fund an expansion, merchant financing moves as fast as your business does.
- Advances from $5,000 to $500,000+ based on processing volume
- Repayment via a fixed percentage of daily card sales — moves with your cash flow
- No fixed monthly payments, no early repayment penalty
- Fast approvals — often funded within 1–3 business days
- Qualification based on processing history, not credit score alone
- Available to GoPayhawk merchants and new applicants
Skip the 90-day bank process. Approval and funding in as little as 24 hours.
Repay more when business is good, less when it's slow. No fixed due dates.
Your processing history is your qualification. No assets pledged.
Once repaid, renew easily. Many merchants use it as ongoing working capital.
Consumer Financing
Let your customers pay over time while you get paid in full within 48 hours. Powered by U.S. Bank Avvance, our consumer financing solution increases average ticket size, reduces cart abandonment, and opens your products or services to a broader customer base.
- Customers apply in 1–2 minutes with real-time approval — no credit score impact
- Pre-approval amounts up to $25,000; transaction range $300–$25,000
- Flexible terms: 3–60 month repayment, 0%–24.99% APR
- You receive full payment within 48 hours — U.S. Bank manages the customer loan
- No subscription or enrollment fees — per-transaction pricing only
- Ideal for home improvement, healthcare, high-ticket retail, and more
Not sure which financing option fits your business?
Talk to a GoPayhawk advisor. We'll walk you through both options and help you decide what makes the most sense for your business and your customers.
Common Questions
Frequently Asked Questions
A merchant cash advance (MCA) gives you a lump sum of working capital in exchange for a percentage of your future daily card sales. Repayment is automatic — a fixed percentage is deducted from each day's batch until the advance plus fees are repaid. There are no fixed monthly payments and no collateral required.
Funding amounts typically range from $5,000 to $500,000. Approval is based primarily on your average monthly card processing volume, time in business, and industry. Most merchants qualify for up to 100–150% of their average monthly processing volume.
Most applications are approved within 24–48 hours. Once approved and documents are signed, funds are typically deposited within 1–3 business days. GoPayhawk works with multiple funding partners to match you with the fastest and best-priced option for your profile.
Initial qualification is typically based on processing history, not personal credit, and uses a soft inquiry that does not affect your score. A hard credit pull may occur at final underwriting depending on the funding partner. Your GoPayhawk advisor will clarify the process before you apply.
A merchant cash advance is not a loan — it is a purchase of future receivables. Repayment fluctuates with your daily sales volume: slow days mean smaller repayments, busy days mean larger ones. A traditional business loan has fixed monthly payments regardless of revenue. MCAs are faster to approve, require less documentation, and don't require collateral, but typically carry higher effective costs than bank loans.