Four steps from offer to funded.
No lengthy applications. No paperwork. Just a straightforward process built into your existing Pagoramp account.
Build your processing history
Start accepting payments through Pagoramp. As your volume grows, we analyse your transaction history to determine your eligibility.
Receive a tailored offer
Eligible merchants see capital offers directly in their dashboard. Choose the amount that works for you, with a clear upfront fee and repayment rate.
Funds arrive fast
Accept your offer and funds are typically deposited into your Pagoramp account within one business day. No bank wire, no waiting.
Repay as you earn
A fixed percentage of each day's settlements goes toward repaying your advance. Slower days mean smaller repayments, automatically.
One flat fee. No surprises.
Your actual offer depends on your processing volume and history. Fees are fixed upfront: no compounding interest, no penalty for early repayment.
Example amounts only. Actual offers vary based on your Pagoramp processing volume and history.
Fund what matters most.
Stock up for peak season
Buy inventory in advance of a busy quarter without straining cash flow.
Invest in your product
Fund a new feature, integration, or platform upgrade to unlock the next stage of growth.
Grow your team
Hire ahead of demand without waiting for the next revenue milestone to clear.
Expand to new markets
Open a new geography or payment method without slowing down your current operations.
Accelerate marketing
Run bigger campaigns, test new channels, or lock in ad inventory while pricing is favourable.
Cover operating costs
Smooth out cash flow gaps while waiting on customer payments or settlement cycles.
Who qualifies for Pagoramp Capital?
Capital offers are based entirely on your payment processing history with Pagoramp, not your personal credit score or collateral.
Loans provided by licensed lending partners.
Pagoramp Capital advances are issued by our network of regulated lending partners, not by Pagoramp directly. This means your loan is backed by licensed financial institutions operating under applicable lending regulations.
Licensed & regulated
All capital offers are issued by regulated financial institutions, not by Pagoramp. Pagoramp acts as the technology and distribution layer connecting you to these partners.
Clear loan agreements
Before any advance is issued, you receive a clear loan agreement from the lending partner outlining the advance amount, flat fee, repayment rate, and all terms: no fine print surprises.
Your data stays protected
Lending partners access only the processing data required for underwriting. Your information is shared under strict data agreements and applicable financial privacy regulations.
Pagoramp Capital is available to eligible merchants in supported regions. Capital offers are subject to underwriting by our lending partners. Pagoramp is not a lender and does not provide financial advice. All advances are subject to the terms and conditions of the applicable lending partner.