Funding for your Business

Simple Steps, Big Impact.

Get loan offers that meet your specific business needs from several funders through Total Card Payments Capital.

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Our advisors provide the support you need

  • Guide you through the process
  • Explain your funding options
  • Negotiate with lenders on your behalf
  • Receivables Purchase

    These are short-term loans with daily or weekly repayment. They have very fast approval and funding rates, which makes them a good fit if there is an urgent need for funds.

  • Line of Credit

    You can borrow up to a maximum credit limit and only pay interest on the amount of funds you draw from your credit line on a monthly basis.

  • Term Loan

    Lump sum amount lent to the business, which is paid back over a period of time with regular scheduled payments determined by your credit profile.

  • Invoice Factoring

    The lender will pay the borrower the face value of an invoice minus their fees. This is a good fit for B2B companies that take a long time to convert receivables to cash and work with creditworthy clients.

  • Equipment Financing

    Lender provides you the cash you need to purchase a piece of equipment. You pay back the total amount, plus interest, over a period of time.

Get Funding Fast, Grow Faster

With additional capital, you will have the opportunity to fund initiatives that will help you grow your business faster. Once those investments are made, you'll quickly start to see the long term impact.

How It Works

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Fill out one simple application. There's no fee or obligation, and applying will not impact your credit. 

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Review your options and offers with your dedicated funding advisor and pick the solution that works best for you.

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Get the capital you need in as little as 24 hours - wired directly into your business bank account.

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Put the money to work and get back to what you do best - growing your business!


Wondering how Total Card Payments works? We’re an open book.

How long will it take to get funds after I’ve completed the application?

You can be funded in as little as 24 hours! Your funding advisor will work with you on any requirements prior to funding, but we can move as fast as you do through the process.

What's the process to apply for capital?

Applying is quick and easy. This can be done by clicking on a pre-qualification offer or from the capital landing page. The process takes under 5 minutes to complete and is fully electronic! Once you’ve begun the application process, a dedicated funding advisor will work with you from start to finish and will be there to answer any questions along the way.

Will my credit be impacted when I apply?

Not at all. By applying, your credit will not be impacted without your consent. Your application will be reviewed by the funding advisor team and a dedicated advisor will walk you through the next steps and any potential credit checks in the process before they occur.

What if I have a question about the process during the application stage?

Your dedicated funding advisor will be available to answer any questions you may have at any point during the process via text, email or phone!

What products are available to me?

There are several products from term loans to lines of credit. The funding advisor team will work with you to find the best fit for your business both now and in the future.

What will I be expected to provide during the application process?

Completing the application requires light details to start. During the underwriting process, additional documents may be requested based on specific lender requirements. If any are needed, your advisor will guide you through the process.

Get Capital in 24 Hours

Complete your application in as little as 15 minutes. Review your options, choose the right offer, and you can get the funds deposited as fast as 24 hours after your approval.