Merchant Cash Advance


You were invited to our website to get Pre-Approved for our Merchant Cash Advance Program. PhoneOps Merchant Cash Advance Program is designed for:

Buying Equipment

Payoff Debt


Increase Inventory

Hire Staff

And More…


So regardless if you’ve been in business for a couple of months or been in business for many years, PhoneOps Merchant Cash Advance will boost your business dramatically.





This program has standard guidelines. View below:

Loan Amounts:

$1,000 to $1M


Based on your ability


No Minimum


Based on FICO

Type of Business:

Any may apply


As soon as 24hrs

Discount Merchant Cash Advance

We can fund from $1,000 to $1,000,000+. With PhoneOps Merchant Cash Advance, you have access to the most money at the best rates. We have a special discount merchant advance program for larger funding and better credit requests. We will meet or beat any competitor’s terms.


Bad Credit Merchant Cash Advance

Our Bad Credit Merchant Cash Advance can provide Working Capital regardless of your credit score. We can fund Merchant cash advances promptly for people with ANY credit score. There is no minimum credit qualification. If you are not currently in Bankruptcy and you are not currently in danger of being evicted from your place of business, you are automatically qualified if you’ve been accepting credit cards for just 3 months!


Restaurant & Retail Stores

82% of all Credit Card Factoring is issued as Restaurant & Retail working capital. We know the industry and cater to those needs. Cash flow is imperative to the successful operation of your business and we understand the seasonal fluctuations. PhoneOps Merchant Cash Advance provides working capital with easy payment terms based on your future anticipated volume.


New Business Starter Program

We offer Merchant Advances if you’ve been accepting credit cards for just 3 months or even less sometimes and still with no restriction on credit scores!

Minimum Requirements:


* A Social Security number

* Application Fee $295 WAIVED

3 months in business to qualify

* A valid Driver’s License or State ID

* A Tri-Merge Credit Report fee of $45

* Must have a Business Checking Account

* Minimum of $8,000 a month total deposits

Merchant Cash Advance Application

©2005-2023 PhoneOps Funding, LLC NMLS# 1491394