Most lenders prefer that business owners switch over to their preferred Merchant Processor. This allows them to fund your business directly through the credit card processing machine, as they get paid back through it as well. This is called split-processing. With this method, it’s possible to get your business funded the next day; while offering you competitive rates with your current processing.

The lender takes his percentage every time you batch out through the processor. The remaining sum then goes to your bank account. It’s the fastest way to get the working capital you need, and the quickest method for your batches to reach the bank. Other funding systems include the Automated Clearing House (ACH) and Lockbox. Lenders would be willing to negotiate with you regarding these programs based on your qualifications.

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