Get fast merchant funding and working capital based on your credit card sales - not a pile of paperwork. A merchant cash advance from Karma Card Payments gives your business the capital it needs, with flexible sales-based repayment, no collateral, and funding for high-risk industries that banks turn away.
From a merchant cash advance to revenue-based funding and a flexible business line of credit, choose the small business funding that fits how your company actually earns and spends.
Turn future credit card sales into upfront working capital today. A merchant cash advance gives you a lump sum now and is repaid automatically as a small percentage of your daily card sales.
Access business funding that flexes with your sales. Repayments rise and fall with your revenue, so slow weeks never strain your cash flow the way a fixed loan payment can.
Cover payroll, inventory, equipment and day-to-day expenses with fast working capital. Use the funds however your business needs - no restrictions on how you grow.
Draw capital when you need it and only pay for what you use. A flexible business line of credit keeps reliable funding on standby for opportunities and unexpected costs alike.
Get business funding for industries traditional banks decline. We specialize in capital for high-risk businesses, from CBD and nutraceuticals to travel, firearms and adult merchants.
Fund new equipment, a second location or a seasonal push with unsecured business funding designed to scale your operation without tying up your assets.
Our merchant funding process skips the red tape of a traditional business loan. A short application, a quick review of your sales, and capital in your account - usually within a few business days.
Complete a short, no-obligation funding application. No mountain of paperwork and no impact to your credit to get started.
We look at your recent credit card sales and revenue rather than just a credit score, so more businesses qualify for funding.
Receive a clear merchant funding offer in as little as 24 to 48 hours, with transparent terms and flexible, sales-based repayment.
Accept your offer and the working capital is deposited into your business account, ready to put to work right away.
We built our merchant funding to say yes more often. If your business takes card payments and has steady revenue, there is a strong chance you qualify - even with less-than-perfect credit or in a high-risk industry.
Real working capital, sized to your business and delivered without the wait of a bank loan.
There are no restrictions on how you spend your working capital. Here is how merchants put their business funding to work every day.
See why thousands of businesses choose a merchant cash advance and revenue-based funding over a slow, restrictive bank loan.
| Feature | Karma Merchant Funding | Traditional Bank Loan |
|---|---|---|
| Funding speed | 24-48 hour decisions | Weeks to months |
| Credit requirements | Flexible, bad credit OK | Strict, high score needed |
| Collateral | Not required | Often required |
| Repayment | Flexible, tied to sales | Fixed monthly payment |
| High-risk industries | Welcome | Frequently declined |
| Use of funds | Your choice, no restrictions | Often restricted |
Fast, flexible merchant funding designed around your cash flow - so you can seize opportunities the moment they appear.
Merchant funding is business capital based on your sales rather than a traditional credit-only loan. With a merchant cash advance, you receive a lump sum of working capital upfront and repay it automatically as a small, flexible percentage of your daily credit card sales - so payments scale with your revenue.
Most merchant funding decisions are made within 24 to 48 hours of a completed application. Once you accept your offer, working capital is typically deposited into your business account within a few business days.
No. We base approvals on your business revenue and credit card sales, not just your credit score, and our merchant funding does not require collateral. All credit profiles are considered, including bad credit, making it accessible to more small businesses.
Yes. We specialize in business funding for high-risk and hard-to-place industries that traditional banks routinely decline, including CBD, nutraceuticals, travel, firearms, adult and more. If your business takes card payments and has steady sales, you can apply.
Merchant funding amounts typically range from $5,000 to $500,000, sized to your average monthly card sales and overall revenue. The stronger and more consistent your sales, the more working capital you may qualify for.
However your business needs. Merchants use their working capital for inventory, payroll, equipment, expansion, marketing, seasonal cash flow gaps and more. There are no restrictions on how you put your business funding to work.
Apply in minutes and a member of our merchant funding team will build a working capital offer around your business sales - with no fees and no obligation.