One application
Apply Once, Compare Multiple Offers
Use a single application and credit pull, then receive business advance funding from multiple lenders.
Merchant funding
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 also include merchant account loans, small business merchant loans and merchant cash advance services, helping businesses access working capital quickly without traditional bank barriers.
FUNDING OPTIONS
IRISCompare offers from over 20 lenders
Merchant account loan
2Business merchant loan
3Merchant cash advance
Application status
Ready to compare offers
IN REVIEW
Built for small businesses
Affordable Financing Solutions for Small Business Owners
BAMS understands small business owners’ cost challenges, especially when seeking funding. That’s why we also offer low-rate merchant account cash advances and business merchant loans through our Fundomate integration. Merchants can apply directly in IRIS and then compare offers from over 20 lenders, which is ideal for advance funding loan solutions.
Over 20lenders to compare
Understanding embedded business financing
NMI Business Capital: embedded merchant financing
NMI Business Capital, powered by Parafin, also brings access to small business working capital into Merchant Central or the NMI Gateway. When a partner enables the program, eligible merchants can receive personalized, pre-approved funding offers based on payment processing history, review an offer in their merchant portal, and accept it subject to approval.
Working capital for business growth
For example, business capital can support inventory, payroll, marketing, expansion, and seasonal cash flow needs. After acceptance and approval, NMI says funding is typically deposited within one to two business days; however, timing is not guaranteed.Fixed-fee funding and sales-based repayment
Offers also show one fixed fee and the total repayment amount upfront, with no compounding interest or late fees. Automated repayment uses a percentage of daily card sales, so payments adjust with sales volume.Merchant portal funding and eligibility
General requirements include a U.S.-based business, at least three months of card payment history in the NMI portal, and a supported merchant category. Parafin determines eligibility; however, meeting these criteria does not guarantee an offer.
This is a separate program from the Fundomate/IRIS offering described above. Ask BAMS whether NMI Business Capital is enabled for your account. Parafin handles underwriting, funding, and servicing, while all loans are issued by Celtic Bank. In addition, all loans and offers are subject to credit approval, identity verification, and periodic review; terms may change without notice, and bank transfers are subject to review.
Three-step process
How merchant funding works
Step 1: Complete Our Simplified Online Application
Apply in minutes for merchant business funding and merchant account loan programs, because no bank verification is 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
Then receive fast approval for merchant financing with funding available in as little as 24 to 48 hours.
Why BAMS
BAMS Advantages
BAMS offers a fast online application process, so you can apply 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.
Speak to Sales No repeated paperwork No broker fees
Funding that moves with you
Fast, Convenient Funding
Get funded through a streamlined process, so it is ideal for merchants needing next day funding business solutions.
Funding, mapped clearly
Small Business Merchant Financing Options
Our merchant financing options are designed for small 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.
A flexible route to capital
Business Cash Advance
The Merchant Cash Advance Program provides fast funding for businesses that may not qualify for traditional loans because it converts future receivables or deposits into immediate capital. In fact, 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. This also makes 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 small to medium size businesses qualify for merchant account loans or business advance loans even if they’ve been declined by banks.
Merchant funding
Funding Advance up to$500,000
- 3Months in Business
- $10,000a month in deposits
- Less than 10NSFs a month
- Bankruptcy Accepted
- Tax Liens Accepted
Merchant funding FAQs
Frequently Asked Questions
Merchant funding provides fast working capital access based on business revenue rather than traditional credit requirements. Through BAMS, merchants complete one application and then compare offers from over 20 lenders. Learn how the process works in Fundomate and BAMS Provide Fast, Easy Small Business Loans.
Merchant account loans offer structured repayment terms, while merchant cash advances provide funding for a percentage of future credit card sales or deposits. Both fall under merchant financing but cash advances often approve faster with revenue-tied repayment. See how this works in practice in using merchant business funding for seasonal cash flow.
Businesses with consistent credit card processing or bank deposits typically qualify. In addition, BAMS often approves those with limited credit history, prior bankruptcies or tax liens. Learn more about why merchants choose BAMS.
Many solutions provide approval within minutes and funding in as little as 24 to 48 hours. For faster access to your card sales, BAMS also offers same day funding and next day funding.
You need at least 3 months in business, $10,000 or more in monthly deposits and fewer than 10 NSFs per month. Bankruptcies and tax liens are also accepted. Explore more BAMS resources for business owners.
Funding advances go up to $500,000. With a business cash advance, you may qualify for up to 250% of your monthly credit card processing volume. Not sure how much you need? Read our conversation with Joseph Camberato on choosing the right growth capital.
Repayments are automatic and tied to your daily or weekly sales, so they adjust with your revenue. To plan ahead, read our guide to cash flow management and deposit timing.
No. BAMS merchant financing is based on your revenue performance rather than your credit score. Faster access to your own sales can also ease cash flow, as explained in Accelerate Cash Inflows: The Reinvestment Edge.
Apply directly in IRIS with a simplified online application that does not require bank verification. You can then compare multiple funding offers matched to your cash flow and choose the one that fits.
BAMS funding can be up to 50% cheaper than most merchant loan services. To review costs on the payment processing side, see BAMS pricing.
From the BAMS Blog
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