How much funding can I obtain through Premier Business Capital?

It depends on the working capital program you choose. You can receive anywhere from $2,500 to

$500,000 in funds and can apply for what best suits your business needs.


How Much Will it Cost to Apply?

There is no fee to apply.


How long will it take to receive funding?

With a merchant cash advance or a small business loan from PBC, your application can be reviewed within 24 hours. Once approved, you will typically receive funding within 1 to 2 days. With traditional

bank loans, you may have to wait several weeks to receive money. For this reason, when you need immediate working capital for your business, PBC’s secure and flexible programs offer a great step-up over the average complicated and drawn-out bank loan.


Do I need a business plan to obtain working capital through Premier Business Capital?

No. One of the many advantages of the PBC program over a traditional bank loan is that we do require a business owner to provide a business plan in order to receive funding. Conversely, the majority of traditional lenders require applicants to provide a written business plan that describes the nature of the business, target market, nature of competition, marketing plan, and list of likely expenses. They often also require financial models and documents such as a projected cash flow statement, balance sheet and income statement.


Is There a Prepayment Penalty?

Since this is not a loan, there are no penalties of any kind. You can settle the account at any time by paying off the remaining balance.


Can I qualify for funding with bad credit?

Yes. Because our small business loan and cash advance programs are based on your business’ sales history rather than your personal credit history, a low credit score will not prevent you from acquiring the cash you need.


What can the funds provided by Premier Business Capital be used for?

You can use your capital for any of your expenses. While a traditional bank dictates what the loan can and cannot be used for, a PBC merchant cash advance, small business loan or ACH loan can be used however you see fit, covering any of your business needs. Premier Business Capital ardently believes that as a businessman, you know your business better than anyone and therefore know the best place to use available capital. Some common uses for our funding include paying seasonal expenses, meeting payroll expectations, remodeling your existing location or investing in a new location, purchasing inventory and equipment, developing an advertising and marketing campaign, etc.


How Can I Learn More About the Program?

You can apply online or simply call 1-888-418-8397 and ask for an account executive


What is a merchant cash advance?

A merchant cash advance is a business cash advance program that provides businesses with a lump sum of capital by purchasing a set amount of their future credit card sales. Unlike a traditional bank loan, PBC’s cash advance programs do not involve many costs, collateral or personal guarantees. Furthermore, we replace the fixed monthly payment system by adjusting installments, deducting a small set percentage from your credit card/debit card sales until the cash is paid in full. This allows businesses the opportunities to make lower payments during periods when cash flow is lower.


How does a business pay back their merchant cash advance?

Unlike most traditional bank loans, there are no fixed monthly payments with a merchant cash advance.

Premier Business Capital receives a small fixed percentage of your credit/debit card sales that gets automatically deducted daily. This allows businesses the flexibility to make lower payments during slow months. Visit our Contact Us page to speak to a representative directly about payment specifics for your business.


Does Premier Business Capital offer small business loans?

Yes. In addition to our merchant cash advance programs, Premier Business Capital offers a non-traditional small business loan through our small business lending branch. This program does not require credit card processing. Instead, our small business loans are repaid over time with a fixed daily debit amount. When compared to traditional bank loans, these loans have a much simpler application process and a higher rate of approval. Like our cash advance offerings, you typically receive funding 1-2 days after approval.


How is the small business loan offered by Premier Business Capital different from a merchant cash advance?

The small business loan does not require your business to accept credit/debit cards. The loan is repaid over time with a fixed daily debit amount, as opposed to the merchant cash advance, which is paid back by deducting a small set percentage from your credit card/debit card sales until the cash advance is paid in full.


What types of businesses are eligible to apply for a small business loan?

The small business loan is designed specifically for the needs of small businesses and does not require that a business process credit cards in order to be eligible. We can work with most businesses as long as you’ve been in business for at least 3 months and have deposited on average $6000.00 or more for the last 3 months in your operating business account.


How does the partnership program work?

Becoming a partner allows you to broaden your customer base and serve clients that you may have needed to turn down in the past. Partnership with Premier Business Capital allows you to offer our financing options to your small business clients. We offer two partnerships with varying degrees of time and resource commitments on your part: Sales Partner Programs and Referral Partner Programs.


What is the difference between a Sales Partner and a Referral Partner?

As a Sales Partner, you walk your clients through the entire sales process, maintaining your close

working relationship. Upon funding your client, you receive a more lucrative commission than a Referral

Partner to reflect the time and resources you invested in the processes. As a Referral Partner, you simply

provide us with a lead and our sales team does the rest.


Who does Premier Business Capital partner with?

We’ve created partnerships with many leading financial institutions and credit card payment processors,

along with their ISOs. We can form a mutually beneficial partnership with nearly any business that

serves the needs of small business clients. Some of our other frequent partners include:

● Wholesalers

● Equipment leasing brokers

● Mortgage brokers

● Loan brokers

● Community banks

● Credit unions


What are the benefits of Premier Business Capital’s Partnership Programs?

Earning competitive commissions broadens your customer base and offers a new product to your

clients. Serving those you would have turned down in the past while deferring the financial risk to

Premier Business Capital opens a wealth of opportunities. Partnering with Premier Business Capital not

only brings in new business and extra cash flow, it can help with customer retention by allowing you to

offer something novel to your existing and potential clients. There are many benefits of partnering

together: You will get access to a support team that provides you with personal customer service, as

well as our agent portal for real-time updates on your deals. Additionally you get detailed orientation

sessions and can attend ongoing webinars that keep you up to date on product changes and innovative

sales techniques.

Get Started Now!


We provide two highly accessible financing programs that can get your business the working capital it needs in days instead of months.

For a small business, obtaining a traditional loan today is a complex and difficult process. That’s where Premier Business Capital comes in. 

Merchant Cash AdvanceACH Loans 


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