Business Cash Advance Services How it Works Amount of advance varies from $3,500-$200,000 and is based on the average of the merchant's last 4 months of Visa/MasterCard statements. We can fund the merchant within 5 - 7 business days.  Cash Advance Payback Period The payback period is not fixed because it's based on the merchant's actual Visa/MasterCard receipts. We only collect the mutually agreed fixed percentage of your daily Visa/MasterCard receipts until the entire agreed amount is paid back. We are a factor and not a bank; therefore, there is no interest rate. There are also no requirements of collateral, financials, or tax returns. Merchant Club will provide members with monthly statements including an up-to-date balance as well as total dividend payouts from the previous month. |