Working Capital Loans

Short-Term Financing Application

Fill out this form to apply for a short-term financing loan and have your funds deposited in 2 to 5 business days. Be sure to fill all forms to the best of your ability. The more information you enter, the better chance you have of getting approved at a lower rate.

This page and all communications with Risk Free Merchant are encrypted and secure. Call (855) 400-7475 to speak with a payment specialist or to submit your application over the phone.

Working Capital

Full Merchant Application

These first questions help us better understand your business and your needs.

And next, some legal/ownership questions.

The following questions will give us everything we need to match you with a solution with the best processing rates.

Is it Permissible to Offer Dual Pricing?

Absolutely, across all states! The Durbin Amendment, part of the Dodd-Frank Act, plus card network regulations, support discounts for cash payments:

  • Payment networks can't stop merchants from offering cash, check, or card discounts, as long as it's fair and transparent.
  • Visa's rules allow merchants to encourage alternative payments to Visa cards by offering cash discounts.
  • Mastercard's guidelines state merchants can't charge extra for card use but can discount for cash payments.
  • Discover allows point-of-sale discounts for different payment methods without discrimination by issuer or network.
  • American Express permits cash payment discounts off regular prices.