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| Frequently asked questions |
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1. What can Circadian Funding do for my business?  |
We offer you a way to improve your business for the future by accessing cash now. It’s not a bank loan, so you’re more likely to be approved, and your cash becomes available to you quickly. |
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| 2. How can I use the cash? |
Use the cash any way you see fit. Customers typically use the cash to support or upgrade their business in some way. Maybe you need repairs or inventory. Maybe you would like to expand your present location or simply add a new location. Better still, maybe you’d like to seize an opportunity in your marketplace before a competitor does. |
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| 3. How Does it work? |
The funding process is simple. Circadian Funding purchases your future credit card transactions and advances that money to you. After you have your advance, your processing back will deduct a small, fixed percentage of from your daily credit cards sales until the advance is made whole. |
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| 4. Will I qualify? |
If you’ve been in business for over a year and process at least $4,000 in credit card sales each month, you are well on your way to approval. |
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| 5. How long will I have to wait to find out if I have been approved for my cash advance? |
Pre-approval is usually obtained within 24-48 hours. Funding can take as little as 7 business days depending on the amount of the transaction and the time it takes to get the necessary documents required to fund. |
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| 6. How much can I qualify for? |
Your monthly credit card volume will qualify you for $3,000 to $125,000. The amount of receipts purchased is determined by your average Visa/MasterCard volume over a 90-120 day period. |
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| 7. How soon can I have the cash? |
After a complete contract is submitted and approved, funding can happen in as little as 10 business days. |
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| 8. Will I receive the same low rates as my current credit card processor? |
The funding process works through your credit-card terminal so we may need to switch you over to our preferred credit card processor. We work with an outstanding organization that will match or may actually beat your current rates, and will make the transition virtually seamless. |
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| 9. Will I be able to monitor the progress on my account? |
You can log on to the Circadian Funding website to view your account status online, and you’ll also get a statement each month. |
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| 10. Who can answer my questions, or help me start the funding process? |
You can reach our Circadian Funding representatives from 9 a.m. – 6 p.m. EST, Monday - Friday,
or you can send an email to sales@circadianfunding.com |
