Business Loans & Merchant Cash Advances

Easy Capital For Your Business

Whether you’re looking for a Traditional Business Loans or a way to leverage your daily credit card sales (Merchant Cash Advances), Easy Pay Direct has options for you.  We’ve partnered with some of the best lenders in the country to quickly supply working capital for small and medium sized businesses.

A quick online application and we’ll pair you with the lender that fits your needs.
Unfortunately the lending world is full of companies that will promise the world and never deliver.  We only work with lenders who we’ve vetted and have shown that they assess businesses quickly and fund quickly. Rates vary based on individual situations.


  • Frank Kern Frank Kern

    “I am a very very happy client of Easy Pay Direct. Getting set up with them was really really simple and very very professional. I did not have to jump through a lot of hoops. The paperwork was done in a very organized fashion. Everybody was in touch with my team every single step of the way… I am very happy to recommend them to anybody under any circumstances”

    Check out Frank’s story here!

    Frank Kern Inc.
    Frank Kern
  • Heather Seitz Heather Seitz

    Thank you SO much for following up. It speaks volumes about how you guys do business over there for sure… 

    Emailability LLC
    Heather Seitz
  • Colin Egbert Colin Egbert

    “Besides getting us a great rate, they really helped us get our money released after we did a launch and had a bunch of money held. They are always quick to respond, always keeps us in the loop, and always shoot straight”
    Colin Egbert
  • Amzi Marsh Amzi Marsh

    “Easy Pay Direct is a user friendly system that when coupled with exceptional customer service – gives any business owner peace of mind. Big Thanks EPD!”

    Tu Accion En Vision
    Amzi Marsh


Merchant Cash Advance

Merchant Cash Advances are a fantastic, creative approach to securing capital for your business.  While a business owner’s personal credit does play a role, it’s not the main priority when getting a Cash Advance.  The major factor is your monthly credit card sales.  Most Merchant Cash Advance companies will determine how much they give you based on a percentage of your monthly credit card sales.  Merchant Cash Advances can be up to $500,000.

How Merchant Cash Advances Work

Lenders assess how much you’re selling on credit cards each month.

They “advance” you money against the credit cards sales that will come in over the next 6-12 months.
They hold back 10-20% of your daily credit card sales to repay the amount they gave you.
Typically the full amount you were advanced is paid back over 6-12 months.

How Merchant Cash Advance Terms Work:

Merchant Cash Advances are similar to a loan, but because they are ‘advancing credit card sales they know you’ll be receiving in the future’, the language is a little different.

Merchant Cash Advances are paid back at a factor of the cash advance amount.
For example, if the Cash Advance amount is $100,000 and the factor is 1.22;
You will payback $122,000.

Typical Merchant Cash Advance Terms:

The payback length and cost of a Merchant Cash Advance range based on:

  • Business type
  • Monthly credit card sales
  • Business credit (not a huge factor)
  • Personal credit (not a huge factor)

Here is the range you can expect:

Length of Payback: 6-18 Months
Cash Advance Factor: 1.12-1.48


Traditional Business Loans

Traditional business loans are a less expensive option to get capital for your business. While we can help fund loans up to $500,000, smaller loan amounts tend to fund much quicker.  With traditional business loans you can expect to be asked for more documentation.  This can include bank statements, profit and loss statements, tax returns and a variety of personal financial documents.  Unlike merchant cash advances, they are not dependent on your credit card sales, but the overall financial strength of your company.

Typical Business Loan Terms:

The payback length and rates charges for a traditional loan range based on

  • Business type
  • Monthly credit card sales
  • Business credit
  • Personal credit
  • Profitability
  • Cashflow analysis
  • Other factors

Here is the range you can expect:

Length of Payback: 6-36 Months
Loan Rate: 3%-22%


Get Started Now!
Fill out the form for a
Business Loan OR Merchant Cash Advance

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Learn About Easy Pay Direct

Need More info?  Just give us a call at 800.805.4949 or send us an email – [email protected]