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CREDIT-BASED FUNDING
Credit Card Sales Loan
A credit card sales loan helps businesses turn strong card volume into fast working capital, with repayment tied to future card sales instead of fixed traditional loan payments.
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$10K-1M
Funding Range
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24-72hrs
Funding Speed
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10-20%
Typical Cost Range
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60%+ share
Min Card Sales
CALCULATOR
Calculate Your Funding Based on Card Sales
Use this calculator to estimate business funding based on card sales, including expected holdback, repayment timeline, and total repayment based on your processor volume.
real examples
Perfect for High Card Volume Industries
Credit card sales financing works best in industries with frequent card transactions, steady settlement volume, and clear visibility into daily sales performance.
Why WCA is Perfect for This Industry
High credit card transaction volume (70-90% of sales)
Daily cash flow from card sales
Flexible repayment during slow/busy seasons
No collateral required (equipment/inventory stays yours)
Fast approval to cover inventory, staff, or equipment
Works with Toast, Square, Clover, and all major POS systems
Italian Restaurant & Bar
MONTHLY CARD SALES:
$85,000
FUNDING AMOUNT
$75,000
USED FOR:
RESULT:
Increased capacity by 30%, repaid in 8 months through 12% daily holdback, revenue up 40% in peak season
Why WCA is Perfect for This Industry
Card sales represent 80%+ of transactions
Repayment scales with daily sales volume
Perfect for seasonal inventory purchases
Quick funding to capitalize on trends
No impact on existing lines of credit
Supports Square, Shopify POS, and traditional processors
Boutique Clothing Store
MONTHLY CARD SALES:
$60,000
FUNDING AMOUNT
$50,000
USED FOR:
RESULT:
Sold out inventory 3 weeks early, repaid in 6 months, expanded to second location
Why WCA is Perfect for This Industry
Nearly 100% credit card payment environment
Predictable daily card volume
Fast funding for equipment, chairs, products
Minimal documentation required
Flexible terms adjust with appointment volume
Works with all beauty industry POS systems
Day Spa & Salon
MONTHLY CARD SALES:
$45,000
FUNDING AMOUNT
$40,000
USED FOR:
RESULT:
Service revenue increased 50%, repaid in 9 months via 10% daily holdback
Why WCA is Perfect for This Industry
High frequency, card-based transactions
Daily cash flow from morning/lunch rushes
Quick funding for equipment or buildout
Repayment matches sales patterns
No personal guarantees on equipment
Compatible with Square, Toast, Clover
Specialty Coffee Shop
MONTHLY CARD SALES:
$35,000
FUNDING AMOUNT
$30,000
USED FOR:
RESULT:
Wholesale contracts added $8K/month, repaid in 7 months, opened second location
Why WCA is Perfect for This Industry
High-value card transactions (copays, procedures)
Predictable patient payment patterns
Fund equipment, hiring, or expansion
No disruption to insurance billing
Fast approval for time-sensitive needs
Works with medical billing processors
Dental Practice
MONTHLY CARD SALES:
$55,000
FUNDING AMOUNT
$60,000
USED FOR:
RESULT:
Patient volume up 35%, cosmetic revenue tripled, repaid in 10 months
Why WCA is Perfect for This Industry
Near 100% credit card payment processing
Daily settlement from Stripe, PayPal, Shopify
Fund inventory, ads, fulfillment expansion
Repayment tied directly to sales performance
No impact on cash reserves
Integrates with all major payment gateways
Online Apparel Brand
MONTHLY CARD SALES:
$120,000
FUNDING AMOUNT
$100,000
USED FOR:
RESULT:
Black Friday revenue hit $180K (up 200%), repaid in 5 months, expanded product line
COMPATIBILITY
Works with Any Card Processor
A credit card processing loan works best when your processor data is easy to verify, making funding decisions faster and repayment more predictable.
Square
Supported
Instant integration via API
Real-time sales data sync
No additional hardware needed
Works with all Square products
Same-day funding available
Stripe
Supported
E-commerce & online payments
Automatic daily settlement tracking
Supports subscription billing
Global payment processing
Developer-friendly API
Clover
Supported
Full POS integration
Cloud-based reporting access
Inventory management sync
Multi-location support
Contactless payments included
Toast
Supported
Restaurant-specific POS
Kitchen display integration
Online ordering & delivery
Staff management tools
PayPal
Supported
Consumer trust & recognition
Mobile & online checkout
Buyer protection included
International transactions
One-touch payments
Shopify Payments
Supported
Built into Shopify platform
No transaction fees
Automatic payout tracking
Multi-currency support
Fraud detection included
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Do not see your processor? We work with 50+ payment platforms. Contact us to verify compatibility.
COMPARISON
Credit Card Sales Loan vs Traditional Options
See how our credit card sales loans compare to traditional financing.
Feature
Credit Card Sales Loan
Bank Loan
Business Line of Credit
Approval Speed
24-48 hours
4-8 weeks
1-3 weeks
Payment Structure
Daily % of card sales
Fixed monthly
Interest on balance
Flexibility
High (scales with sales)
Low (fixed payment)
Medium (draw as needed)
Collateral Required
No
Often yes
Sometimes
Credit Sensitivity
Moderate (580+)
High (700+)
High (680+)
Documentation
Minimal (processor data)
Extensive
Moderate
Typical Cost
10-20% of advance
6-12% APR
12-25% APR
Best For
High card volume businesses
Long-term expansion
Ongoing working capital
Choose Credit Card Sales Loan When...
Card sales are 60%+ of total revenue
You need funding within 24-48 hours
Credit score is moderate (580-680)
You want flexible repayment tied to sales
Traditional banks rejected your application
You do not have collateral to pledge
Choose Traditional Financing When...
You have strong credit (680+)
You can wait 4-8 weeks for approval
You prefer predictable fixed payments
You have collateral or business assets
You want the lowest possible interest rate
Card sales are a small % of revenue
HOW IT WORKS
How Credit Card Sales Loans Work
From processor connection to funding in 5 simple steps. Most businesses funded within 48 hours.
Connect Processor / Verify Sales
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Read-only API connection (we never access funds)
Instant verification of sales history
Privacy-protected data encryption
No manual document uploads needed
Securely connect your payment processor (Square, Stripe, Clover, etc.) to verify your monthly card sales volume.
Review + Offer
Approval based primarily on card volume
Receive offer within 24–48 hours
Clear breakdown of holdback % and term
No hard credit pull until you accept
Our team reviews your card sales data and matches you with the best funding offer from our lender network.
Receive Funds
E-sign documents online
Funds deposited within 24–48 hours
No origination fees or hidden costs
Access to online account dashboard
Accept your offer, complete e-signature, and receive funds directly to your business bank account.
Repayment via Card Sales Holdback
Daily holdback (typically 10–20% of card sales)
Payments automatically deducted by processor
Sales slow down = payments slow down
No penalty for fluctuating revenue
Repayment happens automatically through a small daily percentage of your credit card sales—no fixed monthly bills.
Completion / Renewals
No prepayment penalties
Renewal offers after 50% repaid
Better terms with repayment history
No obligation to renew
Once repaid, your agreement ends. Many businesses qualify for larger renewals at better rates.
Ready to Get Started?
Access the capital your business needs
Comprehensive financing solutions backed by expert advisory guidance. One application, multiple lender options, transparent terms.
Secure & confidential
No credit impact
Advisor-led process
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