Looking for

business funding?

Get a Business Line of Credit

that grows in funding

with your business.

Flexible funding, payments, and checking

built for business.

Looking for

business funding?

Get a Business Line of Credit

that grows in funding

with your business.

Flexible funding, payments, and checking

built for business.

Powering the small business economy

  • True Line of Credit
  • Nobody is Declined
  • No Hard Inquiry
  • No Personal Reporting
  • No Personal Guarantee
  • No Taxes or Statements
  • Grows With Your Business
  • Easy Auto-Repayment
  • Builds Business Credit

Who Is 1st Merchants?

We are a Payment Processing Company with a

Unique & Easy Way to Finance your Clients

FIND OUT MORE IN THE VIDEO

Who Qualifies?

Any business with a merchant account

All Industries Except…

  • Adult
  • Gaming
  • Marijuana
  • Fix & Flip
  • Insurance Brokers

How a business gets paid by Visa & MC

  • Accept payments over the phone
  • Accept payments over the internet
  • Accept payments in person

What is a Merchant Account?

A merchant account is an agreement between a merchant and an acquiring bank. This agreement allows the former to process and accept credit card payments. By signing this agreement, a merchant agrees to abide by the operating regulations established by Visa, MasterCard, or any other brand.

No Merchant Account?

Don't have a Merchant Account?

Don't Worry, Leave it to us.

We set one up for your client

Why Merchant Processing?

By using a merchant account

  • We can approve everyone
  • We can give more funding
  • We can automate repayment

Nobody Is Declined

  • Any business that can use a merchant account
  • LOC linked with processing for repayment
  • LOC limit can get larger every 3 months

No-PG Business Funding

  • Credit Based: Up to $10,000 based on FICO9 Experian


  • Processing: Up to $100,000 based on merchant processing

Setup Costs & Rates

  • Setup: $99.97 merchant setup


  • Monthly: $9.97 subscription


  • Interest: 15% + Prime

Example Client

  • Credit Based: $500 minimum 605 FICO


  • Actual LOC: $75,000 based on merchant processing

WHY GET A MERCHANT LINE?

More than just funding, it's a complete cash-flow solution for your business

True Line of Credit

  • Transfer funds directly to your bank
  • Don’t pay a penalty interest rate
  • Don’t need convenience checks
  • Don’t need to ask permission
  • Good interest rates (NOT MCA)

No Taxes or Statements

  • No bank statements and tax returns*
  • No profit & loss statements
  • No insurance required
  • No bank logins
  • *Only required for a line increase requests

No Hard Inquiry

  • Nothing appears on personal credit
  • No score drops for inquiries
  • No subsequent denials

True Line of Credit

No Taxes or Statements

No Hard Inquiry

True Line of Credit

No Taxes or Statements

No Hard Inquiry

  • Transfer funds directly to your bank
  • Don’t pay a penalty interest rate
  • Don’t need convenience checks
  • Don’t need to ask permission
  • Good interest rates (NOT MCA)
  • No bank statements and tax returns*
  • No profit & loss statements
  • No insurance required
  • No bank logins
  • *Only required for a line increase requests
  • Nothing appears on personal credit
  • No score drops for inquiries
  • No subsequent denials

No Personal Reporting

  • Keep your business and personal separate
  • Won’t increase your personal debt ratios
  • Won’t interfere with a mortgage next year
  • Won’t get your personal cards closed

No Personal Guarantee

  • Only financing where a startup can get funding without a PG
  • Even in a worst-case scenario, you won’t lose your house
  • This is TRULY UNIQUE

Grows With Your Business

  • Can be increased every 3 months, keeps growing with you
  • Not auto-reviewed, a bad month won’t hurt
  • This is a Very unique

No Personal Reporting

No Personal Guarantee

Grows With Your Business

  • Keep your business and personal separate
  • Won’t increase your personal debt ratios
  • Won’t interfere with a mortgage next year
  • Won’t get your personal cards closed
  • Only financing where a startup can get funding without a PG
  • Even in a worst-case scenario, you won’t lose your house
  • This is TRULY UNIQUE
  • Can be increased every 3 months, keeps growing with you
  • Not auto-reviewed, a bad month won’t hurt
  • This is a Very unique

Easy Auto Repayment

  • Automatically paid from merchant account
  • Don’t have to worry about missed payment
  • Easiest account you will ever have

Builds Business Credit

  • Reports Positive Payments Only!
  • Reports to D&B
  • Reports to Experian Business
  • Helps you get better funding over time

No Interest Expense

  • If billed on the line and auto-paid within ~30 days, you have no interest expense!
  • Most of our clients pay no interest at all

Easy Auto Repayment

Builds Business Credit

No Interest Expense

  • Automatically paid from merchant account
  • Don’t have to worry about missed payment
  • Easiest account you will ever have
  • Reports Positive Payments Only!
  • Reports to D&B
  • Reports to Experian Business
  • Helps you get better funding over time
  • If billed on the line and auto-paid within ~30 days, you have no interest expense!
  • Most of our clients pay no interest at all

Here’s what business owners like you have to say

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