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.
