Business owners face dynamic challenges and opportunities every day, and deserve better than “one size fits all” financing. Whether you’re looking to purchase inventory or equipment, increase your advertising budget or want a boost in cash flow, we provide the right solution at the right time.

Quick Financing

1st National Payment Solutions (1NPS) provides several funding solutions to quickly satisfy working capital needs. Unlike conventional financing these loans are unsecured and the application process is quick and easy with approvals taking 24 hours from the receipt of the application package.

We offer custom tailored programs with both fixed and flexible repayment options, allowing you to remain in a favorable cash flow position so you can continue operating—business as usual. Better yet, you can qualify for additional working capital even before you have paid us back in full.

No matter your credit situation, we can provide you with access to $4,000 to $2,000,000 funded directly into your business checking account within 5 days of the receipt of the signed contracts.

The 1NPS Solution

  • Express Financing: Small Business Loans or Merchant Cash Advance
  • Up to $2,000,000
  • Pre-approval in 24 hours
  • Funding in 5 days
  • Access additional capital before account is paid off


Small Business Loans

Our Small Business Loans are ideal for established merchants who have positive cash balances in their business bank account.

Typically, getting approved for a business bank loan is extremely difficult, time consuming and cumbersome. This is not the case with 1NPS short term business loans. Although credit is a small factor, approvals are based primarily on the current cash flow of your business – not years of financial history. Applications are simple, required documentation is minimal, approvals occur within a day, funding is expedited with a week and payback is made through a small, fixed daily or weekly payment from your business bank account. It’s that easy!

  • Automated fixed daily or weekly repayments
  • Minimum $1,500 average monthly bank balance
  • Minimum 9 months in business
  • Pricing and payback options for most credit types

Get access to the working capital you need, even if you are dealing with less-than-perfect credit or have already been denied a bank loan. Whether you’re looking for a one-time cash infusion or have an ongoing need, your business opportunities can become a reality with 1st National Payment Solutions.

Merchant Cash Advances

Our Merchant Cash Advances are ideal solutions for small businesses just starting out and established mid-sized businesses, which accept debit or credit cards and are in need of working capital for planned and unplanned expenses.

A merchant cash advance is a quick and easy way to obtain funding by leveraging your future card sales. Your personal credit is a minimal factor and our approval rates are high. Through a simple application process, approvals occur within 24 hours and funds are expedited within a week. Funding amount is based on average monthly credit and debit card volume. Pay back of the cash advance occurs through a small, fixed percentage of your future credit card sales which adjusts to the ups and downs of your daily payment card volume. You can even get additional capital before your advance is paid off! We understand that every business is different – that’s why we have multiple cash advance products to fit your unique needs

  • Automated repayment via a small, fixed percentage of daily card sales
  • Minimum $4,000 per month in card sales
  • Minimum 9 months in business


Our small business loans and merchant cash advances can be used for any business expense, offering fixed or flexible repayment options.

Cash Advance Table

Contact us today regarding your Loan!

Applying is Easy! Please fill out the form below to find out for how much and for which loan type you qualify or Call toll free (877) 964-1622 to speak with a Funding Advisor.

Quick Questionnaire Form
Please fill out the form and a financial advisor will contact you to answer any questions.




$0 – $5,000
$5,001 – $25,000
$25,001 – $50,000
$50,001 – $100,000
$100,001 – $500,000
$500,001 – $1,000,000
$1,000,001 – $2,000,000
Greater than $2,000,000

Not yet established
1 – 6 months
7 months – 2 years
2 to 5 years
5 to 10 years
Greater than 10 years

* Indicates field is required.

Get Fast, Flexible Business Financing

Apply and find out how much you qualify for today!

  • Get $4,000 to $2,000,000 for your growing business
  • Our flexible repayment options adjust to your cash flow
  • Access funds in as few as 5 days and use for any business expense