How can Total Business Funding help fund my business needs?
With an advance. Providing a more responsive alternative to traditional bank lending, we offer an innovative new financing program designed to help you grow.

How does the program work?
Easily. Your funding is based on your future credit card sales, and you sell us a fixed dollar amount of those future sales at a discount. Through an automated process, we collect a small, previously agreed upon percentage from your daily credit card sales— and only after the sales are made.

How do I know if I qualify?
You must have been in business for more than 12 months and have at least $5,000 of credit card sales per month, and meet other simple requirements.

What can I use the money for?
Most anything. Most of our customers use the money for business building needs like advertising, adding more seats to their restaurants, or stocking up on seasonal merchandise. Others have used it to buy out a partner or for emergency needs like unforeseen maintenance issues.

How soon can I get the money?
Pretty soon. The average time from receipt of a contract to funding is usually under 5 business days.

Do I need to change credit card processors?
No, if you're currently processing with us, then you do not need to change credit card processing companies. If you are not processing with us, then you will need to change over to utilizing our merchant account service program.

What kind of discount do I get if I pay early?
Since this is not a loan, there is no monthly payment schedule. Total Business Funding purchases a specific amount of your future sales. We get paid only when you get paid; therefore, there is no discount for early payment.

How often are payments to Total Business Funding deducted?
Once a day. We collect from a small percentage of your daily credit card sales.

Will I get a monthly statement from Total Business Funding?
No—Instead of a monthly statement mailed to you, you simply view your daily statements, and monthly statements online by logging into a private and secure area of the Total Business Funding Web site.

Whom do I call with questions about my account?
You can call our Customer Care Group at 1.800.871.7640