Merchant financing
Growth funding based on the sales you already make
Financing is eligibility-based. If a regulated financing provider makes your connected account an offer, it appears in your dashboard with the provider's own amount, total to repay and repayment share — repaid from a share of daily sales rather than a fixed monthly bill. Enterprise Pay Gateway is not a lender and cannot promise an offer.
Asking needs no account. It starts a conversation with us — it is not a credit application and no offer is created by it.
Financing is provided by a regulated financing provider to eligible merchants. Offers depend on that provider's decision and are never guaranteed, pre-approved or reserved. Enterprise Pay Gateway is not a lender and publishes no amounts, rates, APRs or repayment terms.
Where Growth funding stands today
Eligibility requiredOffered only when your account and payment history qualify.
Eligibility: Offers come from our banking partner based on your processing history here.
What Enterprise Pay Gateway provides
- The dashboard where an offer appears, if the provider makes one.
- The payment history and reporting the provider reads from your connected account.
- A record of what you were offered and what you decided.
What the financial provider does
- The money itself, plus underwriting and the eligibility decision.
- Every term: amount, total to repay, repayment share and conditions.
- Verification, funding and funding timing, under its own agreement with you.
Limitations
- Registry status is eligibility required: no offer is guaranteed and many accounts never receive one.
- No pre-approval, reserved amount, approval time or funding date is offered anywhere on this page.
- No loan amount, APR, fee or repayment term is published, because Enterprise Pay Gateway does not set them.
- Asking through this page is not a credit application and creates no offer.
Enterprise Pay Gateway is software. It is not a bank, not a lender and not a card issuer, and it does not hold your funds. Financial accounts, funding decisions and card programmes belong to the regulated provider behind them, on that provider's terms. Nothing here is an offer, an approval or financial advice.
Read from your sales history
The provider looks at the payment history already in your connected account rather than a business plan. It may still run its own checks, and it decides alone.
Repaid as a share of daily takings
The provider's model takes an agreed share of each day's sales toward the balance, so a quiet week means a smaller repayment that day.
Terms come from the offer, not from us
Any amount, total to repay and repayment share is stated in the provider's own offer before you accept. We publish no rates, fees or APRs.
Funding timing is the provider's
Accepted offers fund the same account your payouts already reach. How long verification and funding take is the provider's process, not ours to promise.
Underwritten by a regulated provider
Enterprise Pay Gateway is not a lender. The provider offers, underwrites and funds; we show the offer in your dashboard next to everything else about your business.
No obligation, and no promise of an offer
An offer is an option that expires if ignored. Many accounts never receive one, and processing here is not an approval.
What merchants use it for
- Buy a second treatment device or chair without draining cash reserves
- Stock up on retail product ahead of a busy season
- Fund a hiring push or a new location build-out
- Cover a marketing campaign that pays back over the following months
- Smooth payroll through a predictable slow month
Common questions
Does Enterprise Pay Gateway lend money?
No. Enterprise Pay Gateway is software and is not a lender. Any financing is offered, underwritten and funded by a regulated financing provider connected to your payments account. We surface an offer in your dashboard if the provider makes one, and we record what happens after.
Is financing guaranteed if I process payments here?
No. The registry status for this capability is eligibility required. Whether an offer ever appears is the provider's decision, based on your processing history and its own criteria. Many accounts never receive one, and taking payments here is not an approval, a pre-approval or a reservation of funds.
Who decides if I qualify?
The financing provider does, using the payment volume, consistency and history of your connected account, plus any checks it chooses to run. Enterprise Pay Gateway makes no credit decision and cannot influence one.
What would it cost?
We publish no amounts, rates, APRs, fees or repayment terms, because we do not set them. Any offer states its own amount, total to repay and repayment share, and you see those terms from the provider before agreeing to anything.
How does repayment work if I accept an offer?
The provider's model takes an agreed share of each day's card sales toward the balance, so a quieter week means a smaller repayment that day. The exact share, total and conditions come from the provider's own agreement, not from this page.
How fast would funds arrive?
Funding timing belongs to the provider and its verification steps, so we do not promise a number of days. What we can say is that funds go to the same account your payouts already reach.
Do I have to take an offer?
No. An offer appears in your dashboard and expires if you ignore it. There is no obligation, and declining does not affect your account or your payments.
What improves the chance of an offer?
A longer, steadier processing history is what the provider reads. There is no way to apply your way into eligibility, and no timeline we can commit to.