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First Atlantic Funding is a technology-enabled financial services company that specializes in alternative small business funding. Since 2010, we have funded millions of dollars to thousands of small and medium-sized businesses nationwide. We currently provide Merchant Cash Advances & Revenue Based Funding, both of which address many of the shortcomings and restrictions associated with traditional bank loans

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Monday - Friday 09:00AM-6:00PM
Saturday - Sunday CLOSED

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Frequently Asked Questions

Answers to Commonly Asked Questions Our Staff Receives

How does the Business Cash Advance work?

We offer a fast and convenient way for business owners to get the cash they need to run their company. It is not a business loan, which means no checks to write, no fixed monthly payments, and none of the restrictions/excessive documentation typically associated with a bank loan. Approval rates are much higher than bank loans and funds are typically wired to your business account within 5 days.

What are the basic qualifications for the ACH Program?

For our ACH Program, our basic qualifications are that you gross over $150,000/yearly and maintain an average daily balance of $1,500.00 with minimal overdrafts. To find out how much you qualify for, simply complete the online application and provide some basic information. You will receive a free, no obligation quote within 24 hours from a First Atlantic Funding Account Executive who will review your funding options.

How do I repay my Business Cash Advance

Repayment is based on our automated process that’s designed to work with your credit card processor to collect a small fixed percentage of your daily Visa and MasterCard receivables until your business cash advance is settled. You never have to write a check.

What are the basic features for the ACH Program?

Funding Size: $5,000-$250,000,Terms: 3-18 Months, Payment: Daily payments from account via ACH (Automated Clearing House), Security: Personal Guarantee and in some cases a lien on the assets of the business (not real property, specific or personal assets), Timing: Decisions in as fast as 1 business day, funding in as fast as 2 business days.

What are the basic qualifications for the Business Cash Advance?

For a Merchant Cash Advance, our basic qualification are that you must have a physical location, be in business for at least 1 year, process at least $2500/month of Visa/MasterCard receivables and have at least 1 year left on your lease.

How do I payback my funding from the ACH Program?

First Atlantic Funding will set up a daily ACH that will be retrieved from your business checking account M-F. We do not collect funds on Saturday, Sunday or bank holidays. This allows our client to know when and how much they are paying toward their loan.

Do I have to switch my processor to obtain the Cash Advance?

No, you can continue to use whomever you are currently processing your credit cards through. At times we may suggest a better alternative or offer a lower processing cost through one of our approved vendors.

Do I have to switch my processor to get into the ACH Program?

No, you can continue to use whomever you are currently processing your credit cards through. Since there is no disruption in your credit card receivables there is no need to change processors.

How does a Cash Advance differ from traditional financing?

First Atlantic Funding focuses on the business and not just a credit score. Our focus on a business’s historical cash flow and performance provides us with much more flexibility.

How long does it take to get approved & funded for the ACH Program?

Unlike a bank, which can take months, our approval time from submission is 48hrs and our funding process occurs within 2 business days after approval. This quick and easy turnaround allows you to have the peace of mind of knowing your funds are just days away.

How can I use my Business Cash Advance?

Our customers use their funding for a variety of purposes. It is ideal for efforts that will generate revenue within the funding period. After all, paying for this year’s inventory well into next year is not healthy for your business.

Whom do I call with questions about my account?

Customer service is available to assist you: Monday-Friday: 9:00am to 6:00pm EST Phone: 1-866-227-2719.