The capital you need to make your business work.

Clover Capital Turn future sales
into working capital

Contact Sales

Find out the ways to get funded


Say you want to expand. Or make renovations. Or even upgrade your equipment. Borrowing money through a loan isn’t the only option. In fact, it’s easier than ever to get the funds you need. Introducing Clover Capital.

Knowing cash flow is one of the top concerns for small businesses, Clover Capital helps you grow your business with a convenient alternative to bank loans. We qualify your business for an advance amount based on your average Visa, MasterCard and Debit monthly processing.


Your Sales, Your Working Capital

Use your sales to generate a working capital advance Sure you’re a small business. But that doesn’t mean you don’t dream big. That’s where Clover Capital can help

Fast Application Process

Fast application process Standard loans aren’t for everyone. And they definitely aren’t simple, one-page applications like Clover Capital.

Get Funded Quickly

Get funded quickly Not only is applying fast and easy, but once you’re approved, you’ll see cash in your account within just 5-7 days.

What I Can Do?

  • Renovate

  • Expand

  • Website

  • Working

  • Replenish

  • Upgrade

  • Advertise/

How does it work

Apply To Start

Just tell us a bit about you and your business. It’s quick. Besides, you’ve got other things on your plate today.

Get Qualified

Approved applicants get their working capital advance amount based on their average monthly Visa, MasterCard and Debit processing. Brilliant, right?

Approved & Repay

Repay based on your sales. You won’t get stuck with a fixed payment that your current sales can’t support, since repayment is managed through partial withholding of settlement funds.

Unlike a loan, Clover Capital has:

  • No fixed term
  • No fixed payment amount
  • No interest rate
  • No personal guarantee
  • No collateral


  • Simply sign a Clover Capital contract, agreeing to sell a portion of your future credit card sales at a discount  and receive a lump sum cash payment.
  • A small, fixed percentage of your credit card sales are withheld to repay the Cash Advance during your  standard settlement process with First Data each day.
  • Signed application
  • Six most recent merchant processing statements
  • Two most recent bank statements. All pages are required.
  • Copy of state-issued driver’s license or passport

Once all documentation is received, clients can be approved in as little as 3-5 business days.

The advance can be used for any legitimate expense to help grow your business.

The advance can be used for any legitimate expense to help grow your business.

Payments are taken directly from your daily MasterCard and Visa credit card deposits. The daily withhold percentage is based on your credit card volume. (Typically ranging between 10% to 20%)

There is no penalty for paying off the balance early.

Yes, credit card processing must go through CardConnect.

Call the First Data MCA customer service team at 1-855-205-6712 or email