MEET JENNY

Talk with the First AI Payments Specialist in Merchant Services

Quality Card Services is the first merchant services company to offer a 24/7 AI-powered payments consultant you can actually talk to. Jenny is ready right now to analyze your rates, identify savings opportunities, and recommend the perfect solutions for your business. When you're ready, she'll connect you with our live specialists. Instant AI expertise meets personal human service - that's Quality.

Business Capital Funding | Fast, Flexible Financing - Quality Card Services

Business Capital Funding

Fast, Flexible Financing That Grows With Your Business

Get $3,000 to $300,000 in funding within 2 business days. No collateral required. Repayment automatically adjusts with your sales.

Exclusive benefit for Quality Card Services merchants. Your current processor probably doesn't offer this.

Chat with Jenny - Get Started Call (210) 944-4331

I'm ready and just want to speak to a live agent!

Schedule a Call

Why Choose Electronic Payments Capital?

⚡

Lightning Fast

Decision within 24 hours. Funds in your account within 2 business days. Application takes just minutes.

📊

Flexible Repayment

Payments automatically adjust with your sales. Slow month? Lower payment. Busy season? Pay it off faster.

🔓

No Collateral Needed

Based on your payment processing volume, not personal assets. No property or equipment required.

💰

Transparent Pricing

Know your total cost upfront. No hidden fees, no compound interest, no surprises.

🎯

Use It Anywhere

No restrictions on how you use the funds. Inventory, equipment, marketing, renovations - whatever you need.

🤝

Built for Small Business

Designed specifically for businesses like yours. Up to 2x your monthly credit card sales.

How It Works

1

Talk to Us

Chat with Jenny or call us to discuss your funding needs. If you're not a merchant yet, we'll get you set up with payment processing first.

2

Quick Application

Once you're processing with us, we'll help you complete a simple application. Get a decision within 24 hours based on your processing volume.

3

Receive Funds

Money hits your account within 2 business days after approval. Start using it immediately for your business needs.

4

Automatic Repayment

We automatically deduct a small percentage of your daily credit card sales. No manual payments, no missed deadlines.

This Isn't Your Typical Loan

Feature Electronic Payments Capital Traditional Bank Loan
Approval Time ✓ Within 24 hours ✗ Weeks or months
Collateral Required ✓ None ✗ Usually required
Fixed Monthly Payment ✓ No - adjusts with sales ✗ Yes - same every month
Based On ✓ Processing volume ✗ Credit score & assets
Application Process ✓ Quick online form ✗ Extensive paperwork
Repayment Flexibility ✓ Automatic & flexible ✗ Fixed schedule

Already Have a Merchant Processor?

Most merchant services companies don't offer capital funding to their clients. We do. It's one of the many ways Quality Card Services goes beyond basic payment processing to actually help your business grow.

🔄 Easy Switch

Switching processors is simpler than you think. We handle the entire transition so you can start accessing capital funding quickly.

💼 Better Rates

Not only do you get access to funding, but our competitive processing rates and zero-fee programs often save merchants money.

🎁 More Benefits

Capital funding is just one benefit. You'll also get access to our AI specialist Jenny, modern POS systems, and 25+ years of expertise.

Let's talk about switching and funding your business growth.

Chat with Jenny

Perfect For Every Business Need

🌱 Growth & Expansion

  • Hire additional staff
  • Open a new location
  • Launch marketing campaigns
  • Expand product lines

📦 Inventory & Supplies

  • Stock up for busy season
  • Purchase bulk inventory
  • Secure seasonal products
  • Take advantage of supplier deals

🔧 Equipment & Technology

  • Upgrade POS systems
  • Purchase new equipment
  • Improve technology
  • Modernize operations

🏪 Improvements & Renovations

  • Renovate storefront
  • Upgrade outdoor seating
  • Refresh interior design
  • Enhance customer experience

💵 Cash Flow Management

  • Bridge seasonal gaps
  • Cover operational expenses
  • Manage slow periods
  • Handle unexpected costs

📱 Marketing & Online

  • Build or upgrade website
  • Run promotional campaigns
  • Invest in digital marketing
  • Enhance online presence

Real Business, Real Results

"We needed $20,000 to refurbish our outdoor patio before summer. The approval was incredibly fast, and we had the funds in just 2 days. The best part? The repayment automatically came out of our daily sales, so when we had that busy summer season, we paid it back faster. When things slowed down in fall, our payments were smaller. It worked perfectly with the natural rhythm of our restaurant business."
Restaurant Owner, San Antonio
Came back for additional funding later for kitchen upgrades

Frequently Asked Questions

How much can I borrow?
You can receive between $3,000 and $300,000, typically up to 2x your monthly credit card processing volume. The exact amount depends on your business's payment processing history.
What's the interest rate?
This isn't a traditional loan, so there's no interest rate. You pay a fixed fee that's determined upfront - you'll know exactly what your total repayment amount will be before you accept the funding. No surprises, no compounding interest.
How long does approval take?
You'll receive a decision within 24 hours of submitting your application. If approved, the funds will be deposited into your account within 2 business days.
Do I need good credit or collateral?
No collateral required! Your approval is based on your payment processing volume with Electronic Payments, not your credit score or personal assets. As long as you're regularly processing credit card payments, that's what we evaluate.
How does repayment work?
Repayment is completely automatic. We deduct a small, fixed percentage of your daily credit card sales. When business is good and sales are high, you pay it back faster. During slower periods, your payments are automatically lower. It's designed to flex with your business.
What can I use the money for?
There are absolutely no restrictions. Use it for inventory, equipment, hiring, marketing, renovations, cash flow, operational expenses - whatever your business needs to grow and succeed.
What if I have a really slow sales month?
That's one of the best features - since repayment is a percentage of your sales, if you have a slow month, your payment is automatically lower. You never have to worry about a fixed payment you can't afford. The system adjusts naturally with your business's ups and downs.
Are there any hidden fees?
No hidden fees whatsoever. The total cost is transparent and disclosed upfront. You'll know exactly what you're paying before you accept the funding.
Do I need to be a Quality Card Services merchant to get funding?
Yes, this funding program is exclusively available to our merchants. You need an active merchant account with us and a history of regular credit card processing. If you're currently with another processor, we can help you switch - it's easier than you might think, and you'll gain access to not just capital funding but better rates and more benefits.
How long do I need to be processing with you before I can get funding?
Typically, we need to see a few months of consistent processing volume to evaluate your funding eligibility. Chat with Jenny to discuss your specific situation and timeline.
Can I get funding more than once?
Absolutely! Many of our merchants come back for additional funding after successfully using and repaying their first advance. As long as you're in good standing and have the processing volume to support it, you can apply again.

Ready to Fund Your Business Growth?

Talk to us about merchant processing and capital funding today.

Veteran-owned and operated. Serving businesses for over 25 years.

Delivering quality merchant services with integrity, transparency, and dedication to your business success.

Veteran Owned & OperatED | Proudly based in San Antonio, Texas

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