Merchant Cash Advance in Dallas — Business Growth Funding

To get a merchant cash advance, you typically submit a short application and recent credit card processing statements. Franklin Financing Services reviews your average monthly card receipts, accepted card types, time in business, and funding request. For the Easy Pay Cash Advance program, approvals can be issued in 48 hours, with funding available in under 7 days for eligible merchants.

Franklin Financing Services’ Easy Pay Cash Advance program can provide up to $150,000. Advance amounts are generally based on 80% to 120% of your average monthly credit card receipts. For example, if your six-month processing average is $90,000 per month, the possible advance range may be about $72,000 to $108,000, subject to approval.

The Easy Pay Cash Advance program is designed for businesses that have been operating for about one year, though some cases may qualify with less time. Businesses should generally process at least $8,000 in monthly credit card sales and accept Visa, MasterCard, or Amex. Poor credit, late payments, or prior bank turndowns are not automatically disqualifying factors.

For the Easy Pay Cash Advance program, Franklin Financing Services states that no financials, tax returns, or asset documentation are required. The primary review focuses on recent credit card processing activity and a simple application. Other financing options, such as term loans, SBA loans, or revenue-based financing, may require bank statements, financial statements, projections, or debt schedules.

Repayment is based on future credit card receipts rather than a traditional fixed monthly installment. The Easy Pay structure generally withholds 15% to 20% of future card receipts until the advance, principal, and costs are repaid. This allows the amount collected to move with sales activity, so repayment can be faster in strong periods and slower during weaker periods.

Franklin Financing Services notes that approvals for the Easy Pay Cash Advance program can happen in about 48 hours. Once approved, funding may be available in under 7 days. Timing depends on how quickly the application and processing statements are provided, whether the file is complete, and whether the business meets the program’s underwriting requirements.

A merchant cash advance is often useful when speed, card-based revenue, and flexible repayment matter more than long loan terms. Traditional loans may offer fixed payments and longer amortization but can require stronger credit, more documentation, and slower underwriting. Franklin Financing Services also offers alternatives such as business term loans, revenue-based financing, SBA loans, and unsecured business loans.

Common uses include inventory purchases, payroll, marketing, equipment needs, repairs, expansion, seasonal cash flow gaps, or responding to unexpected opportunities. The Easy Pay Cash Advance program allows funds for any business use. Dallas restaurants, retailers, service firms, and other merchants often use this type of funding when timing is important and card sales are consistent.