PHOENIX
Merchant Services
Phoenix Merchant Services funds small businesses the same day — no hard credit pull, no lengthy applications, no surprises. Just capital when your business needs it.
Stock Up on Inventory
Access Emergency Capital
Cover Emergency Cash Flow
Grow & Expand
Sometimes business slows down before the opportunity picks up. This option gives you fast access to working capital for day-to-day needs — covering payroll, restocking inventory, or bridging a slow stretch without derailing your momentum.
When the opportunity is real and the timing is right, you need a funding partner who can move with you. This program is designed for established businesses pursuing significant growth — whether that's a new location, major equipment, or a larger operational push.
for Qualified Businesses
Monthly Revenue to Qualify
Decisions (Under 24H)
From the moment you apply to the moment funds hit your account, you're working directly with our team. No brokers. No hand-offs. No third-party delays. Every step of the process is handled by Phoenix — because your time matters.
Timing is everything when you run a business. Once your offer is accepted, your capital is disbursed via wire or ACH as soon as the same business day. We move when you're ready.
Exploring funding shouldn't cost you anything — including your credit score. We use a soft credit pull for initial pre-approvals, so your score stays exactly where it is while you review your options.
There are no restrictions on how you use your funding from Phoenix. Whether you're seizing a bulk-buy opportunity, catching up on payroll during a slow month, or pushing into a new market — your business knows what it needs. We're here to fund it.
Apply in Minutes
Submit your basic business details and 3 months of bank statements through our encrypted portal. Most applications are completed in under 3 minutes.
Get Your Offer
Your dedicated funding specialist reviews your revenue profile and comes back to you with a customized capital offer — typically within hours of submission.
Funds Hit Your Account
Accept your terms with a digital signature and receive your funds via wire or ACH as soon as the same business day. Done.
We work with real small businesses — not just the ones with perfect credit histories or years of audited financials. If your business is active and generating revenue, there's a good chance we can help.
Your business has been operating for at least six months.
You maintain a dedicated business checking account.
Your business generates at least $5,000 in monthly revenue.
You have a personal FICO score of 500 or above. Good credit is not required.
Funding decisions are real decisions. If you want to talk through your options before applying — or just have a few questions — our US-based team is here for that conversation. We'll give you straight answers, not a sales pitch.
Monday – Friday
9:00 AM – 6:00 PM EST
Prefer to skip the call? Apply online in under 3 minutes and get a decision the same day.
Phoenix Merchant Services provides fast, transparent working capital to small businesses across the country — funding that moves at the speed of business, backed by a team that's actually on your side.
