Merchant Funding & Merchant Financing Solutions for Small Businesses

BAMS provides fast, flexible merchant funding services by connecting business owners to over 20 pre-approved lenders. Our merchant financing solutions include merchant account loans, small business merchant loans, and merchant cash advance services—helping businesses access working capital quickly without traditional bank barriers.

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Affordable Financing Solutions for Small Business Owners

BAMS understands small business owners’ cost challenges, especially when seeking funding. That’s why we offer low-rate merchant account cash advances and business merchant loans through our Fundomate integration. Merchants can apply directly in IRIS and compare offers from over 20 lenders, which is ideal for advance funding loan solutions.

Step 1: Complete Our Simplified Online Application

Apply in minutes for merchant business funding and merchant account loan programs with no bank verification required.

Step 2: Compare Up to 20 Offers

Compare up to 20 merchant funding solutions, including business advance loans and merchant account loans tailored to your cash flow.

Step 3: Fast Approval and Funding

Receive fast approval for merchant financing with funding available in as little as 24–48 hours.

BAMS Advantages

BAMS offers a fast online application process, accessible from anywhere. Submit one application and get matched with direct-to-merchant financing providers with no repeated paperwork or broker fees. Through our partnership with Fundomate, you gain access to the best same-day merchant cash advance funding options.
1

Apply Once, Compare Multiple Offers

Use a single application and credit pull to receive business advance funding from multiple lenders.
2

Fast, Convenient Funding

Get funded through a streamlined process — ideal for merchants needing next day funding business solutions.

Small Business Merchant Financing Options

Our merchant financing options are designed for business owners who accept credit cards or maintain consistent bank deposits. Unlike traditional loans, merchant account loans and business advance loans are based on revenue performance, not credit scores—making merchant funding a flexible solution for growing businesses.

Benefits Of Small Business Loans

  • More Affordable: Up to 50% cheaper than most merchant loan services.
  • Fast Application And Funding: Decisions in minutes, funding in as fast as one business day.
  • Automatic Payment: Regular fixed payments mean no worrying about large end-of-month obligations.

Business Cash Advance

The Merchant Cash Advance Program provides fast funding for businesses that may not qualify for traditional loans by converting future receivables or deposits into immediate capital. A merchant cash advance service is one of the most popular forms of merchant funding, providing immediate capital based on future receivables.

Benefits of Merchant Funding & Merchant Account Loans

  • More Capital: You may qualify for up to 250% of your monthly credit card processing sales volume or your average monthly bank deposits — great for those needing business cash advance with no bank verification.
  • Simple Automatic Repayments: Instead of fixed payments required by most traditional banks, repayments are linked to your business’s daily/weekly credit card sales or your bank deposits. Making the pay-back process seamless. When sales are slow, payments are minimal and automatically applied until your balance is satisfied.
  • Repeat Access: Approximately 90% of our Business Cash Advance clients participate in the program more than once. In fact, the average customer renews about 10 times, perfect for growing businesses using merchant business loans or cash advance merchant services.

Qualifying for Merchant Funding & Merchant Account Loans

At BAMS, we provide unsecured working capital in as few as one business day with relatively little documentation. Our merchant funding services are designed for accessibility. Many businesses qualify for merchant account loans or business advance loans even if they’ve been declined by banks.

Funding Advance up to $500,000

  • 3 Months in Business
  • $10,000 a month in deposits
  • Less than 10 NSFs a month
  • Bankruptcy Accepted
  • Tax Liens Accepted

Looking For Business Cash Today?

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Frequently Asked Questions

Merchant funding is a form of business financing that provides fast access to working capital based on a business’s revenue rather than traditional credit requirements. Through BAMS, merchants can access multiple merchant funding solutions, including merchant account loans and merchant cash advance services, by completing a single application and comparing offers from over 20 lenders.

A merchant account loan typically offers structured repayment terms, while a merchant cash advance service provides funding in exchange for a percentage of future credit card sales or bank deposits. Both options fall under merchant financing, but a business cash advance often offers faster approval and more flexible repayment tied to revenue performance.

Most small businesses qualify for merchant business funding if they have consistent credit card processing or bank deposits. BAMS merchant funding services often approve businesses with limited credit history, prior bankruptcies, or tax liens, making merchant financing accessible to a wider range of business owners.

Many merchant funding solutions offered through BAMS provide approval within minutes and funding in as little as 24 to 48 hours. This makes merchant financing an ideal option for businesses that need fast access to capital without the delays of traditional bank loans.

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