Reliable Payment Processing

Empowering online retailers and restaurant owners with cutting-edge payment processing and quick-access funding solutions — all with transparent pricing, zero headaches, and real human support.

Submit a Quick Payments Application!

MERCHANT CASH ADVANCE

Flexible Funding, When You Need It Most.

A Merchant Cash Advance isn’t just a loan, it’s your business’s secret weapon for fast, flexible funding. Whether you need cash to cover unexpected expenses, stock up on inventory, expand your space, or simply keep operations running smoothly, an MCA puts working capital in your hands when you need it most.

Unlike traditional loans, there’s no waiting for bank approvals or dealing with piles of paperwork. We base your approval on your sales performance, not your credit score — and repayment flexes with your daily revenue. That means no fixed monthly payments, no stress, and no wasted time.

Use your advance to:

  • Launch a new product or service
  • Upgrade equipment or technology
  • Cover payroll or business emergencies
  • Expand your marketing efforts
  • Renovate or redesign your location
  • Take advantage of seasonal demand
Submit a Quick MCA application!

THE REVIEWS ARE IN

Testimonials

  • “I run a busy nail salon, and when it was time for a full remodel, I didn’t have weeks to wait for funding. I applied for a Merchant Cash Advance through ACP and couldn’t believe how fast and easy it was. I was approved within a few days and had the money in my account shortly thereafter. No long paperwork, no stress. Thanks to the quick funding, I was able to upgrade my salon with new stations, lighting, and a fresh new look without interrupting business. This gave my shop the glow-up it needed, and my clients love it!”

    — Kevin N., Owner of Luxe Nail Studio

  • "American Card Payments has transformed the way we handle payments. The savings have been incredible, and the peace of mind knowing there won’t be any surprise charges is priceless. They truly care about their customers and it shows in everything they do. If you're looking to save money, look no further."

    — Emily R., Manager at PureFit Club

  • "Since switching to American Card Payments, we've seen significant savings every month. Their straightforward pricing and zero hidden fees have allowed us to reinvest those savings back into our business. The customer service is top-notch too, always there when we need them. Couldn't be happier!"

    — Jason M., Co-Founder of Urban Grind Coffee