Pay interest only. The rate steps down as the principal is forgiven. Your payment gets smaller every year.
Businesses that accept credit cards can access a low-cost loan through our merchant processing partner – interest only, with a rate that steps down each year, principal forgiven in full over the term, and no personal guarantee required.
Food and beverage businesses process high card volume daily.
Retail operations run almost entirely on card transactions.
Card-heavy businesses with predictable monthly sales and repeat clients.
Copays and card payments across a steady patient add up fast.
Field service businesses increasingly run on card payments.
High-ticket repairs and parts generate strong processing volume.
If you’re currently running on MCA debt, this replaces it. If you’ve never taken an MCA, this is why you never will. An interest-only loan with a rate that steps down each year, no personal guarantee, and a principal balance that disappears over four years.
You’re already paying processing fees somewhere. All you’re doing is pointing that volume at the right partner and collecting a loan for it. The processing cost doesn’t go up. You just get capital attached to it.
One small monthly payment that decreases over time as your balance is forgiven.
You pay interest only. The loan balance is forgiven in full after four years.
Approval is based on your processing relationship, not your credit score or financial history.
Your personal assets stay completely safe. No PG required for the loan term, no fine print.
Everything you need to know about how the merchant processing loan works, who it’s for, and how to get started.
This loan is built for any business that accepts credit cards and wants access to low-cost capital.
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A straightforward structure with no hidden variables.
Qualification is based on your processing relationship, not your financial profile.
The documents required are minimal and easy:
Getting started takes two steps.
We choose service partners very carefully - and there's a reason for that. Client relationships are earned by delivering exceptional value and kept by delivering exceptional service. Our merchant processing partner operates exactly the same way.
Exclusive to PGS, This loan exists because of that partnership. It's available exclusively through us as an added benefit to our clients.
Drag the slider to your loan amount and see your estimated monthly payments and full principal forgiveness schedule.
