Merchant Loans

At First Working Capital, merchant loans for growing and existing businesses are our specialty. Whether your business is looking to expand, experiencing growing pains or needs some working capital for that next big project – First Working Capital understands.

We loan from $10,000 up to $150,000 per location and up to $1,000,000 or more per business relationship. Funding is based on Total Annual Revenue. The interest on our loans is tax deductible, resulting in lower effective financing costs to the merchant. Daily or Weekly Automated Clearing House (ACH) repayment - we don’t interrupt, interfere or delay the merchant’s credit card processing in any way. No credit card processor switch required and no lockboxes. 6 month to 24 month terms available to qualified merchants. Your business can pre-qualify within 24 hours of a completed submission.

  • Simple application process and quick funding
  • Approvals with less than perfect credit
  • Fixed daily or weekly payments made via ACH (Automated Clearing House)
  • Terms of up to 24 months
  • Interest paid is tax deductible