everpay - Global payment processing platformeverpay
    Everpay Capital

    Funding at the speed of your business

    Get the capital you need to grow -- without the hassle of traditional loans. Apply in minutes, get funded in hours, and repay automatically as a percentage of your sales.

    Merchants trust Everpay

    A+ Rating

    on Better Business Bureau

    Over 10,000

    businesses funded through Everpay

    Speed First

    Get funded in less than 24 hours. We move at the speed of your business so you never miss a growth window.

    Offers On Your Terms

    One size doesn't fit all. We always provide multiple offers so you can choose what works best for your cash flow.

    Equity Free

    Don't give away a stake in your business just to keep up. Everpay Capital is revenue-based financing, not an equity investment.

    Personalized Support

    Every call matters to our dedicated team. You'll have direct access to real people who understand your business.

    Don't just take our word for it

    See what our merchants have to say about Everpay Capital.

    Card-linked

    Repayments tied to card sales

    Fast

    Access to working capital

    "Everpay Capital simplified our cash flow by automating everything: easy to request, set it and forget it payments -- quick and fast!"

    Sarah M.

    Founder, Greenleaf Goods

    "The process is very straightforward and easy to navigate. I had funds in my account within a day of final approval."

    Adam B.

    CEO, Spectrum Digital

    "Applied, got our offer, and had cash in our bank account within 24 hours. The team was very professional and helped me deploy the cash to effectively grow our business."

    Nick J.

    Founder, Coastal Commerce

    "Everpay Capital offered the perfect solution with revenue-based financing to secure the capital we needed to invest in inventory and pay it back at a reasonable time frame once we made sales."

    Jeremy K.

    Founder, Kindfolk Supply

    Who we fund

    Flexible minimum requirements for merchants of all sizes. No personal credit check required.

    • Have a registered business entity (LLC, S-Corp, C-Corp, etc.)
    • At least $3,000 in average monthly sales processed through Everpay
    • No minimum months in business required
    • Selling through one of our supported platforms or directly via Everpay
    Business owner reviewing funding options

    Getting funded is easy

    Apply in minutes. Get funded in hours.

    01

    Get your initial estimate

    1 min

    With just a few quick questions, we'll provide an estimate for how much funding you could get. No commitment, no credit check.

    02

    Securely connect your store

    5 mins

    Connect your store with the highest security and privacy standards. We'll review your sales history to create a customized offer.

    03

    Receive your funds

    <24 hrs

    You know your business best, so we'll provide multiple offers. Choose the one that works, and receive funds in as little as 24 hours.

    You know your business best

    Use your funds on inventory, marketing, logistics, or anything else that drives growth.

    Stock up on inventory

    Purchase inventory ahead of peak seasons without draining your cash reserves. Stay stocked and ready to sell.

    Scale your marketing

    Invest in customer acquisition campaigns that drive measurable revenue growth. More visibility, more sales.

    Expand operations

    Open new locations, hire key staff, or upgrade equipment. Put capital to work where it has the biggest impact.

    Manage cash flow

    Bridge the gap between expenses and incoming payments. Keep operations running smoothly through any season.

    Frequently asked questions

    Have a different question?

    Merchant funding: working capital based on your processing history

    Merchant funding provides working capital to businesses based on their payment processing history rather than traditional credit alone. Repayment is typically tied to a share of future card sales, so payments flex with revenue.

    Everpay Funding is available to eligible merchants. Terms and approval depend on your processing history and underwriting.

    How does revenue-based merchant funding generally work?

    Revenue-based funding gives a business upfront capital that is repaid from a share of future sales. It is not equity, and the amount owed is usually agreed in advance. Because repayment follows revenue, payments tend to be larger when sales are strong and smaller when they are slow, though the total owed generally does not change.

    Offers are typically built around a merchant's processing history. The funder looks at how much you process, how consistently and how the business has performed, which is why this kind of product is often linked to a payment processor. Offers, amounts and terms depend on underwriting and are not guaranteed. See the funding page for what Everpay offers and contact to discuss your situation.

    What drives eligibility, and how is repayment collected?

    Eligibility usually depends on processing volume and history, the consistency of sales, business category, existing obligations and the results of underwriting. A longer, steadier record generally supports stronger offers, while volatile sales, high refund or dispute rates or higher-risk categories can reduce options. No merchant is guaranteed an offer.

    Repayment mechanics vary by program. In general, a set percentage of card sales or deposits is directed toward the balance until the agreed amount is repaid. Others use fixed periodic debits. Ask how repayment is calculated, what happens during a slow period, whether there are minimums or fees and what happens if you change processor during the term.

    • Processing history and consistency of monthly sales.
    • Refund, dispute and chargeback levels.
    • Business category and years of operation.
    • Existing debt and other obligations.

    What questions should you ask to compare the cost of funding?

    Funding has a cost, and it is not always quoted like a loan. Instead of an interest rate, many offers show a fixed fee or a payback amount. To compare fairly, convert each option to the total you will repay, the length of time it is likely to take and the effective annual cost.

    Also consider whether the money solves the real problem. If the gap comes from slow settlement, a faster payout may cost less than borrowing, as explained in The Float Tax. Read the full agreement, and consider speaking to a financial adviser before accepting.

    • What is the total amount repaid, and what is the cost of the funding?
    • How is repayment calculated and how long might it take?
    • Are there origination, administration or early-repayment fees?
    • Can you take additional funding, and what are the conditions?
    • How does it affect your cash flow in a slow season?
    • Does the offer depend on you staying with this processor?

    How funding works

    Eligible merchants are offered an amount based on processing volume and history. Repayment is collected as a percentage of future sales until the agreed amount is repaid.

    When it makes sense

    Funding can help with inventory, seasonal peaks or expansion, but it has a cost. Compare it with other options and read the terms carefully.

    Faster cash flow alternatives

    Sometimes faster settlement solves the cash gap without borrowing. See The Float Tax.

    Eligibility

    Eligibility depends on processing history, business category and underwriting. Talk to our team about your situation.

    Use cases

    • Buy seasonal inventory ahead of peak demand.
    • Fund marketing or a second location.
    • Smooth cash flow between settlement cycles.
    • Pay suppliers early for discounts.

    Industries served

    • Retail
    • Restaurants
    • Ecommerce
    • Services
    • Hospitality
    • Health and beauty

    Frequently asked questions

    Ready to grow your business?

    Get a free demo and see how Everpay can help you accept payments globally, prevent fraud, and increase revenue.