Abacus One Funding Group's goal is to help your business succeed.

In the current economy you cannot afford to be turning away customers because they lack funds, nor can you afford to put off purchases or growth because you lack funds.

Our programs address both of these challenges.

Guaranteed Customer Payment Solutions

The Abacus One Payment Systems cover your customers.  These programs allow you to offer your customers instant "credit".  If the customer defaults, you still get paid.  There is no risk to you!

Business Financing Programs

The Cash Advance Program allows you to procure a cash advance on your merchant services income.

The Commercial Loan Program allows you to borrow funds in a more traditional manner.

The Merchant Services Program takes care of all of your credit/debit card processing.

Find out why over 98% of our merchant partners renew the Abacus One Payment Systems programs and over 85% of our eligible customers renew the Cash Advance Program, Commercial Loan Program, and Merchant Services Program.

Our goal is to help small and mid-sized business owners by providing a simple and convenient alternative to a traditional bank business loan.  Our Cash Advance and Commerical Loan programs provide real solutions for business owners faced with the reality of disappearing sources of working capital.  Traditional sources of capital, such as bank loans, home equity loans, and credit card loans, are no longer options for many businesses.  Our service provides a flexible, hassle free solution for millions of small business owners that need access to immediate working capital and may not qualify for those traditional business financing sources.

How it Works

We offer several programs to fit your specific needs:

Cash Advance Program:

Our Cash Advance converts your future Visa and MasterCard receivables into immediate cash that you can use for any business purpose.  Repayments are based on a small fixed percentage of your future Visa and MasterCard receivables.  Payments are automatically applied to your remaining balance until the balance is satisfied.  Unlike a business loan, our service is aligned with the success of your business: since repayments are linked to your Visa and MasterCard receivables, we don't get paid until you get paid, thus helping you manage the cash flow of your business, especially during slower months.

Benefits of a Cash Advance vs. a Traditional Bank Business Loan

• No personal guarantees (See FAQs for Details)
• No collateral pledge on your home or business
• No points
• No fixed payment schedule
• No coupons or checks to write
• No impact on your ability to qualify for other financing
• No business use restrictions on the funding
• No hassles - quick application & fast funding

Commercial Loan Program:

Our flexible Commercial Loan Program is another financing option offered by Abacus One Funding Group.  The loan is calculated using your gross sales, not your credit card receivables, and there is a fixed repayment period based on your cash flow, rather than relying on your future credit card sales.

Benefits of a Commercial Loan vs. a Traditional Bank Business Loan

• Funding within 10 business days
• Higher approval rates than bank loans
• Assessment of historical cash flows from business performance and not just credit history to support approval for a loan
• A commitment to provide a loan decision within 3 business days of receiving a completed application (subject to our ability to speak with all necessary references)
• Streamlined application process with minimal paperwork
• Reduced documentation requirements
• Fair and affordable repayment terms and fees
• Easy renewal terms

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