We can provide your business with a merchant cash advance against its merchant account of up to $500,000 per location. An alternative to a small business loan, these funds against all future credit card sales (Visa, Mastercard, American Express, Discover, etc.) are typically available within 7 days or less. AmeriMerchant is one of the largest providers of merchant account financing in the country. To qualify for an advance against your merchant account, you only need to be processing credit cards for 60 days to receive a business cash advance against your future Visa, Mastercard, American Express, and/or Discover credit card processing receipts.