How does the program work?
Our products offer a revolutionary way to finance your business
operations. The most important thing to remember is that it’s not a bank
loan. So there are no loan payment books, no dealing with people who
don’t understand your business, none of the traditional bank hassles,
and most of all…no more "no's." Merchant One, Inc. transactions are
based upon your future sales. We take a previously agreed upon
percentage of your future sales. You can monitor your account on our
Web site. It’s as easy as that.

  How do I know if I qualify?
You must have been in business for more than one month and have at
least $1700 of credit card sales per month, and meet other simple
requirements.

  What can I use the money for?
Most of our customers use the money for business-building needs like
adding more seats to their restaurants, advertising or stocking up on
seasonal merchandise. Others have used it to buy out a partner or for
emergency needs like unforeseen maintenance issues that could
interrupt your business.

  How soon can I get the money?
The average time from receipt of a contract to funding is usually under
10-14 working days.

  Do I need to change credit-card processors?
You may need to change credit-card processors to one that has a
relationship with Merchant One. It is the unique way we collect the
future sales you sold us. Our affiliated processors guarantee to meet-or-
beat the transaction rate on your processing needs.

  What kind of discount do I get if I pay early?
Since this is not a loan, there is no monthly payment schedule. We get
paid only when you get paid therefore there is no discount for early
payment. Merchant One purchases a specific amount of your future sales.

  What qualifies as proof of ownership?
Articles of incorporation, board-meeting minutes, a corporate tax return
or a business license showing the guarantor’s name as an owner are all
great proofs of ownership.

  How often are payments to Merchant One, Inc. deducted?
We collect from a small percentage of your daily credit card sales.

  Will I get a monthly statement from Merchant One, Inc.?
Yes, you will receive a printed monthly statement. You may also view
your daily statements online by logging into a private and secure area of
the Merchant One, Inc. Web site.

  What do you mean by “gross volume?”
Gross volume refers to your total receipts from all sources, including
cash, credit cards, debit cards and checks.