Simple application
Recent statements and basic business details. No 40-page package or business plan.
Funding that turns on what your business actually does, not only on a credit score.
Equipment breaks, seasons swing, and the right opportunity rarely waits for a bank committee.
A merchant cash advance is priced against your card sales history. Repayment comes out as a percentage of daily batches, so it flexes with the business — a slow week costs you less than a strong one.
It is not the cheapest money available, and we'll say so. For short, specific needs with a clear return, the speed is often worth the cost.
For longer horizons — a build-out, a second location, a large equipment purchase — a fixed-term product usually costs less overall. We'll point you there when that's the honest answer, even though it isn't the fast one.
What you get
Recent statements and basic business details. No 40-page package or business plan.
Most applications get an answer within a couple of business days.
You see the full repayment amount up front — not a rate that obscures what you'll actually pay.
A set percentage of daily card volume, so payments track your actual revenue.
Established customers can typically renew once a portion of the advance is repaid.
If the numbers don't work for your situation, we'll tell you that instead of funding it.
We'll run the comparison with you and show the total cost of each route.
Special Ops Payments is a full-service merchant services ISO (Independent Sales Organization) and a leader in the payments industry. We were among the first in the country to run a Visa/Mastercard-approved Dual Pricing Program, and we are proud to help business owners fight back against credit card processing fees that climb every single year. Founded and staffed by veterans of the special operations community — we hold ourselves to the standard we were trained to.