credit card processing, merchant services, merchant accounts, payment systems, merchant processing, payment processing


COCARD’s Merchant Cash Advance is a funding product providing business owners an alternative to business loans. If your business processes regular credit card sales and meets a few other simple criteria, you may be able to convert some of your future credit card sales into working capital.

Basic Criteria to Qualify for a Merchant Cash Advance:

  • You have owned the business for one year or longer
  • The business has a physical location, and you are current with the landlord
  • The business processes a minimum of $5,000 per month in credit card sales


  • Once approved, your business sells COCARD a fixed amount of its future credit card sales at a discount.
  • In exchange, your business receives a lump sum of working capital.  You are free to use it for any business need.
  • The credit card processor automatically sends CoCard a fixed percentage of each credit card sale as it is settled.
  • The business' credit card sales volume determines how much is forwarded each time - there are no fixed payment amounts.  We get paid when you get paid.

3 our of 4 of our eligible customer choose to return for another funding, demonstrating our commitment to customer safisfaction

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