Merchant Cash Advance Program

About Us

Diversified Merchant Capital is a privately-held company formed by a handful of businessmen who have been in your shoes.

Understanding how difficult it is to raise capital, they decided to make a difference to invest in solid retail, restaurant and service businesses.

The result is a partnership of business, legal and financial specialists who are actively involved in the day-to-day operation of our business,
and available to our customers at any time during the business week.

At Diversified Merchant Capital, we believe in your future. And we invest in it.

Note: Diversified Merchant Capital offers a business cash advance and not a loan product.

Frequently asked questions

1. What can Diversified Merchant Capital do for my business?

We offer you a way to improve your business for the future by accessing cash now. It’s not a bank loan,
so you’re more likely to be approved, and your cash becomes available to you quickly.

2. How can I use the cash?

Use the cash any way you see fit. Customers typically use the cash to support or upgrade their business in some way.
Maybe you need repairs or inventory. Maybe you would like to expand your present location or simply add a new location.
Better still, maybe you’d like to seize an opportunity in your marketplace before a competitor does.

3. How Does it work?

The funding process is simple. Diversified Merchant Capital purchases your future credit card transactions and advances that money to you.
After you have your advance, your processing back will deduct a small, fixed percentage of from your daily credit cards sales until the advance is made whole.

4. Will I qualify?

If you’ve been in business for over a year and process at least $4,000 in credit card sales each month, you are well on your way to approval.

5. How long will I have to wait to find out if I have been approved for my cash advance?

Pre-approval is usually obtained within 24-48 hours. Funding can take as little as 7 business days depending on the amount of the transaction
and the time it takes to get the necessary documents required to fund.

6. How much can I qualify for?

Your monthly credit card volume will qualify you for $3,000 to $125,000. The amount of receipts purchased is determined by your average
Visa/MasterCard volume over a 90-120 day period.

7. How soon can I have the cash?

After a complete contract is submitted and approved, funding can happen in as little as 10 business days.

8. Will I receive the same low rates as my current credit card processor?

The funding process works through your credit-card terminal so we may need to switch you over to our preferred credit card processor. We work with an outstanding organization that will match or may actually beat your current rates, and will make the transition virtually seamless.

9. Will I be able to monitor the progress on my account?

You can log on to the Diversified Merchant Capital website to view your account status online, and you’ll also get a statement each month.

10. Who can answer my questions, or help me start the funding process?

You can reach our Diversified Merchant Capital representatives at:
1.212.947.2898 from 9 a.m. – 6 p.m. EST, Monday - Friday,
or you can send an email to DMCsupport@diversifiedrcs.com