Retail Cash Advance
Is your business in need of  FAST CASH?

For direct deposits of $5K to $500K

Call    1-888-857-9154    24/7

 The tight credit environment is fueling demand for our alternative business funding options because there are:

No upfront fees of any kind

No personal collateral is required

No personal guarantees

No monthly payment checks to write

No late fees

No credit reporting to affect your FICO

No complicated paperwork

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PRE-QUALIFICATIONS

Itís as easy as 1-2-3 to qualify for a Merchant Cash Advance through American Credit House, Inc.:

  1. Your retail business must be at a fixed brick-and-mortar location ( home based or mail order businesses not eligible)

  2. Your monthly credit and debit sales must be at least 5K per month

  3. 80% or more of your card sales must be swiped transactions

Meet a few other qualifying criteria and you can receive funding in as little as 4 working days. Cash advance can be used for:

  • Building inventory

  • Purchasing new equipment

  • Marketing and advertising

  • Remodeling or expanding

  • Repairing existing equipment

  • Catching up on bills

  • Buying out a partner

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ABOUT US

American Credit House, Inc. or A.C.H., Inc. was established in 1996 and is a privately held corporation.

Our associates are the nationís leading providers of Merchant Cash Advances to small and medium sized businesses. These providers receive backing through very strong banking partners such as Brown Brothers Harriman, Wells Fargo and Fifth Third Bank.

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FREQUENTLY ASKED QUESTIONS

What is a Business Cash Advance?
A fixed dollar amount of your businesses future credit card sales volume is purchased at a discount. In exchange your business will receive a lump sum of working capital which is wire transferred via ach directly into your bank account. This money can be used for any business purpose. Your business functions as it always does. When you batch your electronic card sales a fixed percentage is automatically retrieved from your volume and forwarded by the processor for repayment. Less this small percentage you would still continue to receive your credit and debit card funding in as little as 1 business day. We get paid when you get paid. And there are no penalties if the process takes longer than the timeframe estimated. 

How Much Will it Cost to Apply?
There are absolutely no application or upfront fees of any kind. 

How Much Does My Business Qualify For?
Typically you can qualify for up to 200% of your monthly credit and debit card volume. For example if you process an average of $50,000 a month in sales you can qualify for up to $100,000. 

How long does the approval process take?
In most cases, the Merchant Cash Advance approval process takes between 5-7 business days. However, in some cases, it can be as quick as 48 hours. 

What is the interest rate?
A Merchant Cash Advance is not a loan and does not have an interest rate.

I Already Have a Business Cash Advance with Another Provider. Can I still Apply?
Yes, we will pay off your balance out of the funding amount and you will net the remainder. 

Can I qualify with bad credit? 
The credit history of the business owner is NOT considered as much as it would be for a traditional small business bank loan. The major disqualifier would be a current bankruptcy and any unresolved tax liens or court judgments totally more than $175,000 total.

Does applying affect my credit rating?
Unlike with a traditional bank loan or credit card cash advances your funding is not reported to the credit reporting agencies so obtaining a merchant cash advance will not significantly affect your FICO score. 

Do I need to provide collateral?
No collateral required.

Do I have to switch my credit card merchant account?
No, although after taking the time to compare our rates most merchants do switch because we can often meet or beat their current processing rates. In additional our merchants often compliment our personalized customer service which is available 24 hours a day.

How can I learn more?
Call now at: 1-888-857-9154 x 707 or click here to apply now.
 

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CONTACT INFORMATION
American Credit House, Inc
Atlanta, Georgia, USA
Phone: 678-565-0482
Toll Free: 1-888-857-9154

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