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Home > Business Capital / Funding

Small Business

Capital and Cash Flow, without the Runaround

Sometimes you need capital to grow, new equipment, a remodel, or just to smooth out seasonal swings. We connect you with flexible business funding solutions that pair directly with your merchant account.

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Turn Yesterday’s Sales into Tomorrow’s Growth

Fast, flexible funding based on your business’s own sales history

Every business hits a moment where extra cash would make a big difference, expanding inventory, covering a seasonal dip, or investing in growth. Traditional bank loans can take weeks, require piles of paperwork, and often end in a “no.” We offer a smarter option: funding tied directly to your credit card sales history.

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5-Time Inc. 5000 Winner

Pinpoint Payments has been recognized on the Inc. 5000 list of America’s Fastest-Growing Private Companies five years in a row. This achievement highlights our commitment to innovation, merchant-first solutions, and consistent business growth.
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Rated 4.8 out of 5 by Merchants Nationwide

Thousands of businesses trust Pinpoint Payments to process millions in transactions every month.
With a 4.8 Trustpilot rating, we’re proud to deliver reliability, support, and real results that business owners can count on.
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A+ Rating with the Better Business Bureau

Pinpoint Payments is proud to be an A+ accredited business with the BBB, reflecting our long-term track record of honesty, transparency, and exceptional customer service. In addition, our award-winning support team (recognized by The Talk Awards 2025) provides 24/7 assistance in English and Spanish.

How Pinpoint Small Business Capital Works

We don’t judge you by a credit score or demand collateral. Instead, we look at your past swipe history—the sales you’re already making. Based on that record:

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We can advance you capital today
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Repayments are structured around your future card sales
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Payments adjust naturally with your business volume—higher when you’re busy, lower when sales slow.
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Why Your Business Needs

Flexible Funding

This isn’t about taking on risky debt—it’s about giving your business breathing room and flexibility. Funding is fast, approvals are easy, and repayments adjust with your sales.

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Buy Bulk Inventory

Take advantage of discounts and stock up without straining cash flow.

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Launch Marketing Campaigns

Invest in growth and reach more customers when it matters most.

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Upgrade Equipment

Improve efficiency and operations with the tools your business needs.

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Smooth Over Cash Flow

Cover seasonal dips or unexpected expenses with flexible funding.

What Our Clients Say

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Very helpful in set up and training

“I enjoyed the overall experience. I've yet to use my new machine, but I'm excited to see how far we can go. Thank Yall.”

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Maya Thompson

2023-05-15

Extremely useful during the installation and training.

"I loved the entire experience! I’m looking forward to trying out my new gadget and seeing what it can do. Thanks a lot!"

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Sophia Martinez

2023-05-15

Incredibly supportive during the setup and training process.

"I had a fantastic experience! I haven't used my new device yet, but I'm eager to explore its capabilities. Thanks, everyone!"

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Liam Carter

2023-05-15

Very helpful in set up and training

“I enjoyed the overall experience. I've yet to use my new machine, but I'm excited to see how far we can go. Thank Yall.”

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Maya Thompson

2023-05-15

Very helpful in set up and training

“I enjoyed the overall experience. I've yet to use my new machine, but I'm excited to see how far we can go. Thank Yall.”

trust logo

Maya Thompson

2023-05-15

Very helpful in set up and training

“I enjoyed the overall experience. I've yet to use my new machine, but I'm excited to see how far we can go. Thank Yall.”

trust logo

Maya Thompson

2023-05-15

Small Business Capital FAQs

How is this different from a bank loan?

We don’t require collateral, lengthy applications, or strong credit. Funding is based on your actual sales history.

How much funding can I get?

Depending on your revenue, funding can range from a few thousand dollars up to $2,000,000.

How fast can I get approved?

Many merchants are approved within days, and in some cases, funding can be delivered the same day.

What can I use the funds for?

Anything that supports your business—expanding inventory, launching marketing campaigns, upgrading equipment, covering seasonal dips, or even urgent payroll needs.

Will this affect my existing payment processing?

No. Your processing continues as usual, and funding runs seamlessly alongside it.