Working Capital That Flexes With Your Sales
Access fast, collateral-free funding with automated repayments that scale with every transaction. Grow without the burden of fixed payback schedules.
Instant Access
Same-day or next-day funding powered by your card sales.
Automated Splits
Repayments are captured at the processor—secure, seamless, and predictable.
Smarter Working Capital, Seamless Repayments
Credit Card Splits empower your business to access funds instantly and repay automatically at the point of sale. No collateral, no fixed schedules, just repayments that flex with your sales.
Funding That Works With You
Unlike traditional loans, repayments happen automatically at the processor level. That means no missed ACH debits, no stress on cash flow, and no disruption to your operations.
No Collateral
Approvals based on your sales volume, not your assets or credit score.
No Hidden Fees
Transparent pricing with itemized costs. What you see is what you pay.
Fast Funding
Get approved quickly and receive capital the same day or next day.
Flexible Repayments
Choose daily, weekly, or revenue-based splits that adjust to your sales.
Why Businesses Choose Credit Card Splits
Same-Day Access
Receive capital instantly to cover payroll, inventory, or urgent expenses.
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Sales-Based Repayments
Pay back only when you earn. Flexible options keep your cash flow safe.
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No Collateral Needed
Secure funding based on card sales, not your personal or business assets.
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Processor Integrations
Works seamlessly with Square, Clover, Stripe, First Data, and Worldpay.
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Repayments that move with your sales — not against your cash flow.
Merchants Funded
Approval Rate
Repayments Processed
Lower ACH Failure Risk
Rated 4.9/5 by 1,200+ merchants funding growth with Credit Card Splits
Join thousands of owners who unlocked fast, collateral-free working capital with automated, sales-based repayments. No fixed schedules. No cash-flow choke. Just funding that moves with your card sales.
“Daily card splits changed our cash flow. Repayments come out automatically at the processor, so no more ACH failures. We scaled inventory without stress.”
“Approved in hours, funds the next day. Payments flex with sales, so slow weeks don’t hurt. The reconciliation is clean and predictable.”
“Top-up access is a game-changer. We replenished stock mid-season without reapplying from scratch.”
“No collateral, no hidden fees. We finally have funding that matches how we actually earn revenue.”
“Variance alerts helped us catch a dip early. Support is fast and genuinely helpful.”
“Processor-agnostic and PCI-aligned. Our ops workload dropped and returns became steadier.”
“The split at source means fewer disputes and cleaner settlements. Accounting finally breathes.”
“We used it for payroll and ads, then restocked. The flexibility keeps us moving.”
“Exactly what small retailers need: speed, clarity, and repayments that don’t choke cash.”
“We went from approval to wired funds in under 24 hours. That covered a time-sensitive supplier deal.”
“Our repayments track revenue. Slow months are lighter, strong months pay down faster. It just makes sense.”
“Collections are essentially hands-off now. The split happens before settlement hits our account.”
“Transparent pricing. No surprises. We knew our true costs up front.”
“We’ve repeated funding twice with top-ups. Zero friction and no new paperwork loops.”
“Our ops tickets dropped. Settlements and reconciliations are finally clean.”
“Support is responsive and knowledgeable. They understand card processing inside out.”
“Exactly the balance we needed: speed to capital and protection against cash-flow shocks.”
“From payroll crunches to campaign launches, the funding has our back when timing matters.”
Questions About Credit Card Splits
Credit Card Splits provide working capital in exchange for a small, agreed percentage of your future card sales. Repayments are split automatically at the processor (e.g., Square, Clover, First Data, Stripe, Worldpay) before settlement hits your account—so there are no fixed due dates and no manual collections.
It’s a purchase of receivables (a type of Merchant Cash Advance), not a traditional loan. You get a lump sum today; we collect a percentage of future card sales until the agreed amount is satisfied—no collateral, no fixed amortization schedule.
Offers are based on recent card sales volume and consistency (typically last 3–6 months). Merchants commonly qualify for 1–2× their average monthly card revenue—up to $5,000,000 for well-qualified businesses.
No hard credit pull is required to see if you qualify. We use sales-based underwriting and secure bank/processor connections. In most cases, the application involves only a soft inquiry that does not affect your credit score.
You choose daily, weekly, or revenue-based splits. A small percentage is taken from each batch of card transactions at the processor. On slower days, you remit less; on stronger days, you pay down faster—keeping cash flow healthy.
Most approved merchants receive funds the same day or next business day after accepting the offer. Our digital application and automated connections remove paperwork bottlenecks.
A 5-minute form, recent bank statements (usually last 6 months), and a connection to your payment processor for sales verification. No collateral or lengthy documents required.
Pricing is transparent and itemized. Your offer clearly shows the purchase amount and total payback, with no surprise add-ons. Many merchants also qualify for early payoff benefits and repeat/top-up funding as they repay.
Best for businesses with consistent card volume—retail, restaurants, salons, e-commerce, services. It’s not ideal for companies with minimal card sales or highly irregular revenue spikes. If you process cards regularly, splits can stabilize cash flow and reduce ACH failure risk.