How it Works

What is a Merchant Cash Advance?


Many small to mid-sized companies are unable to obtain traditional bank loans due to the lack of capital in the current market or because they have insufficient credit or collateral. As a result, more and more businesses have been turning to Merchant Cash Advance funding for infusions of working capital or to meet other immediate needs for cash.

How does a Merchant Cash Advance work?

A Merchant Cash advance “advances” cash to merchants based upon anticipated future credit and debit card sales that are calculated from the record of your past receipts. Businesses receive funding from us, the Merchant Cash Advance funding company, in one lump sum in return for a small agreed upon percentage of their future MasterCard, VISA and Debit card sales until the fixed amount that has been agreed upon is repaid. We calculate how much money you qualify for based on your credit and debit card sales. You will be asked for six months or more of credit/debit card statements, two to three recent bank statements and a copy of your lease. Depending upon the size of your advance, a tax return and other financial statements may be required. You will then receive a contract detailing the terms of the agreement. If you accept them, the funds will be deposited into your bank account as early as the next business day. In return, we will collect a small, agreed-upon percentage of your daily credit and debit card sales until you have paid us back according to the terms in the agreement.

How does a Merchant Cash Advance compare to a traditional loan?

First, qualifying for a Merchant Cash Advance is much easier than a bank loan. Second, you get the money you need far faster. Third, and perhaps most significantly, there are no fixed daily, weekly, or monthly payments, late fees, hidden fees or interest rates. In fact, you never have to write any checks. A small fixed percentage comes out of your daily credit and debit card sales automatically. The percentage remains the same. The amount depends on cash flow. Take in less any given day and you pay less that day. And, should your business be unable to pay back the advance, we are the ones who lose. Not you. Because we do not require or take personal guarantees, collateral, home equity or a security of any kind for your Merchant Cash Advance. You get your funds solely based on your sales record and we get repaid solely based on the cash flow of your sales. So the risk is really ours. In addition, there are no closing costs to pay and the owners of the business do not suffer any loss in your equity or control of the business in any way. And a Merchant Cash Advance will not appear on your credit report.

Which businesses qualify for a Merchant Cash Advance?

Most businesses and in any industry. The main requirement for a Merchant Cash Advance is that your business processes credit and/or debit card sales. Generally, all you need to show is that you have been in business for a year or more and process a minimum of $5,000 per month in credit/debit card sales.

How much can my business receive with a Merchant Cash Advance?

The average size of our cash advance is $25,000, although cash advances range from $5,000 to $350,000.

Will you review the owner’s credit history?

The credit history of the business owner will be reviewed as part of our qualification process. However, it is important to note that a Merchant Cash Advance is not a FICO-based solution, so a business owner’s damaged credit history will not automatically disqualify you for funding. In fact, often a negative credit history is no obstacle. And a cash advance will not appear on your credit report.

Does the business owner need personal collateral for a Merchant Cash Advance?

No. Your funding is both determined by and secured by your credit and debit card receipts.

How long does the approval process take?

Pre-Approval usually takes no longer than one business day. The review process takes three to five business days depending upon the amount of funding you will receive. Once the agreement is signed and the underwriting is completed, you can receive your advance as soon as the next business day.

How do I get the money?

After your cash advance is approved, the money is electronically deposited into your checking account.

What can I use the money for?

You are free to use the money in any way you feel that is best for your business. Many of our clients use it for expansion, advertising, new equipment or increased inventory. It can also be used for unforeseen emergencies, to pay tax liens, to buy out a partner or to acquire a new location.

Will my business need to change credit card processors?

You may need to change to one of our preferred credit card processing vendors. Don’t worry, if you do, the credit card processing company will either meet or beat the rates of your current card processor.

Who would I call with questions about my account?

Just send an email att,  to one of the American Green Services Merchant Solutions customer service representatives, call you back 5 days a week.

What if I already have a business loan?

Our product is a cash advance, not a loan. As long as you qualify and meet our requirements, we can provide you the cash very quickly without affecting any of your business’ other financial obligations.

I have a merchant cash advance with another company, can American Green Services replace that arrangement and offer me more money?

We often offer larger advances at better terms than our competitors and will pay off your existing advance if it is in the best interest of your business.

How do I know how much I have left to pay?

We send you a monthly statement. You can also track your payments through our secure merchant login on our website.

What if I have any other questions?

Call us. Or email us if you prefer.

Our commitment is to serve you the best we can. Because you success ensures ours.

About Our Opportunity American Green System PRO & AIS


American Green System Pro- Jr. Student

You Can Go to School and Work Part Time, but if you refer another Jr. Student , you also generate more money, plus all your cash advance commissions... 


American Green System Pro- University

89% Of the students they have student loans, when you graduate you start make payments of your student loans, with our system you don't have loan, you pay for your university; when you refer other pro-university you make money plus all your cash advance commissions... 


American Green System Pro- Own Business


Have your own business, you can only have if you create a plan to buy a franchise, with our system you can save the capital to create your own business in 6 moths or less  

you generate money by recommending another partner's; plus all commissions from cash advance loans...

About Our Opportunity American Green System PRO & AIS

Our Company Philosophy Is Simple; Don’t Be The Biggest – Be The BEST


American Green Pro- Buy Your House


The secret to buy your house, it's only if you have a saving plan, with American Green System you can have the opportunity ; not to TAKE a loan ( NO ) Our plan is to buy in CASH, Our system work you make money from diferent ways: from all your loans cash advance and from all your refer others partner's  Welcome aboard... 

American Green System AIS


When we think of an executive person, we know they don't have time, that is the reason why we have chosen cash advance loans; it is fast and easy and executives always look for an additional profit and our system it is designed  to meet the expectations of an executive. Welcome aboard to all executives and business people... 

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