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Industries
⚠ High Risk Processing 🚗 Auto Shops & Tire Shops 🍽 Restaurants All Industries
Products
💳 All Equipment 🌐 Online Payments 📈 Business Funding
About Us Our Team Contact
📞 (956) 877-5399
Business Funding

Fast Capital for
RGV Small Businesses

Get $5K–$500K based on your sales history — not your credit score. Approval in 24–48 hours with local support from your neighbors in the Valley.

See How Much You Qualify For (956) 877-5399
$5K–$500K
Funding Range
24–48 Hrs
Approval Speed
No Collateral
Required
Local Support
Real People, RGV
What Is It?

Not a Loan — A Business Cash Advance

A Business Cash Advance (BCA) is not a traditional loan. Instead of borrowing money and paying it back with interest, you receive a lump sum in exchange for a small percentage of your future daily sales.

Repayment happens automatically — a fixed percentage is deducted from your card sales each day. On slow days, you pay less. On busy days, you pay more. No fixed monthly payment. No collateral required.

Check My Amount How It Works
Example: $25,000 Advance
You receive $25,000
Factor rate 1.30×
Total payback $32,500
Daily holdback ~10% of sales

Rates and terms vary based on your business history and revenue. Contact us for your personalized quote.

Why Choose M1S Funding

The Fastest Capital in the Valley

⚡

Same-Day to 48-Hour Funding

Submit your application today, get approved and funded within 24–48 hours. No waiting weeks for a bank decision.

📊

Based on Sales, Not Credit

We look at your business revenue — not just your credit score. If your business earns, you can qualify.

🏠

Local RGV Support

You're not calling a 1-800 number. You're calling Emerson — your local payment partner in Edinburg, TX.

🔒

No Collateral Required

Your advance is secured by your future sales — no equipment liens, no property pledged, no personal guarantee required.

The Process

Get Funded in 4 Simple Steps

1

Apply in Minutes

Fill out our short form below or call us directly. We only need basic business info to get started.

2

Submit Bank Statements

Provide 3 months of business bank statements so we can review your revenue history.

3

Get Approved

Approval decisions in as little as a few hours. We'll present your offer with full transparency — no surprises.

4

Receive Your Funds

Funds are deposited directly to your business bank account within 24–48 hours of approval.

Do You Qualify?

Basic Requirements

Most RGV small businesses qualify. Here's what we look for:

  • In business for at least 6 months
  • $10,000+ in average monthly revenue (last 3 months)
  • Separate business bank account
  • No active open bankruptcy
  • No more than 1 existing advance position
  • No pattern of excessive NSFs in bank statements
See If I Qualify

Watch Out For These

These situations make approval harder — but aren't always automatic declines. Let's talk.

Multiple existing advance positions (stacking)
Active bankruptcy or pending litigation
Frequent negative balance days in bank statements
Business open less than 6 months
Revenue below $8,000/month

Not sure if you qualify? Call us and we'll give you an honest answer — no pressure, no obligation.

(956) 877-5399 →
Who We Fund

Great Fit for These RGV Businesses

🍽

Restaurants & Food

Expand your kitchen, cover payroll, or handle slow seasons

🛍

Retail & Boutiques

Stock up on inventory before peak season

🚗

Auto Shops & Tire Shops

Equipment upgrades, expansion, or operating capital

💅

Beauty & Salons

Renovations, new stations, or marketing pushes

🏥

Healthcare & Dental

Equipment purchases, staffing, or expansion

🌿

Feed & Farm Supply

Seasonal inventory, equipment, or working capital

Don't see your industry? Call us — we fund most South Texas businesses.

What You Can Do With It

Use Your Advance for What Your Business Needs

There are no restrictions on how you use your Business Cash Advance. It's your money — use it the way that grows your business fastest.

📈
Inventory & Equipment
👪
Payroll & Staffing
🏠
Expansion & Renovation
📣
Marketing & Advertising
💷
Bridge Cash Flow Gaps
⚡
Anything You Need

Ready to Find Out How Much You Qualify For?

Takes less than 5 minutes. No obligation. Local support from Edinburg, TX.

Apply Now — It's Free (956) 877-5399
Get Started

Find Out How Much Your Business Qualifies For

Fill out this short form and we'll follow up within a few hours. No pressure, no obligation — just an honest conversation about what's available for your business.

●
You need:
  • • 3 months of business bank statements
  • • Copy of your driver's license
  • • Voided check from your business account

Prefer to talk first? Call or text Emerson directly at (956) 877-5399 or email emerson@m1sinfo.com

By submitting this form you agree to be contacted by Merchant1 Solutions regarding business funding options. This is not a loan application and does not affect your credit score.

Frequently Asked Questions

Your Questions, Answered

Is a Business Cash Advance the same as a loan?
No. A Business Cash Advance is a purchase of your future receivables — not a loan. This means it's not subject to the same regulations as traditional loans, there's no fixed repayment schedule, and it doesn't typically show up on your credit report the same way a loan would.
How fast can I get funded?
Most approvals happen within a few hours of submitting your documents. Once approved, funds are deposited directly to your business bank account within 24–48 hours. In some cases, same-day funding is possible.
What if my credit isn't great?
Your credit score matters less than your business revenue. We primarily look at your bank statements and monthly sales history. Many of our clients with lower credit scores still qualify for significant advances based on strong sales volume.
How does repayment work?
A small, fixed percentage of your daily card sales (called the "holdback") is automatically applied toward your advance balance each day. If business is slow, you pay less that day. If business is booming, you pay it back faster. There's no fixed due date or minimum monthly payment.
Can I get funded if I already have another advance?
It depends. One existing position is usually fine with many funders. Two or more active positions ("stacking") makes approval much harder and typically results in less favorable terms. Let's talk about your specific situation — we'll give you an honest answer.
Do I need to be an M1S payment processing client?
No — funding is available to any qualifying RGV small business, whether or not you process payments with us. That said, many of our clients use both services, and being an existing processing client can sometimes help speed up the process.
How much does it cost?
Instead of an interest rate, Business Cash Advances use a "factor rate" — typically between 1.15× and 1.50× of the amount you receive. This means if you receive $20,000 at a 1.30 factor rate, your total payback is $26,000. We present all terms clearly before you sign anything.