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COCARD-IMG’s Merchant Cash Advance is a funding product providing business owners an alternative to business loans. If your business processes regular credit card sales and meets a few other simple criteria, you may be able to convert some of your future credit card sales into working capital.


Basic Criteria to Qualify for a Merchant Cash Advance:


  • You have owned the business for one year or longer
  • The business has a physical location, and you are current with the landlord
  • The business processes a minimum of $5,000 per month in credit card sales




  • Once approved, your business sells IMG a fixed amount of its future credit card sales at a discount.
  • In exchange, your business receives a lump sum of working capital.  You are free to use it for any

business need.

  • The credit card processor automatically sends CoCard a fixed percentage of each credit card sale as it is settled.
  • The business’ credit card sales volume determines how much is forwarded each time – there are no fixed payment amounts.  We get paid when you get paid.


3 out of 4 of our eligible customers choose to return for another funding, demonstrating our commitment to customer satisfaction.

Trust an Industry Leader.

Home Office - Service Center
Innovative Marketing Group, LLC (IMG)
7296 US Hwy. 76, Prosperity, South Carolina  29127
Main: (803) 364-4366      Fax: (803) 364-4367

CoCard is a registered ISO of Wells Fargo Bank, N.A., Concord, CA.


COCARD® is a registered ISO of Fifth Third Bank, N.A. 38 Fountain Square Plaza, Cincinnati, OH 45263.




Privacy Notice

In connection with your transaction, CoCard may obtain information about you and your business as described in this notice.


1.  We collect nonpublic personal information about you from the following sources:


Information we receive from you on applications and other forms.

Information about your transactions with us, our affiliates or other.

Information we receive from a consumer reporting agency (e.g. credit bureau).

2.  We may disclose all of the information we collect, as described above to companies that perform marketing on our behalf or to financial institutions with whom we have joint marketing agreements.  We may make such disclosures about you as a consumer, customer, or former customer.


3.  We may disclose nonpublic personal information about you as a consumer, customer or former customer, to non-affiliated third parties as permitted by law (i.e. the police or other government authority issuing a subpoena or litigants in response to a legal process).


4.  We restrict access to all nonpublic personal information about you to those personnel who need to know that information in order to determine your eligibility for products and services, and to provide you with products and services, and to others who are subject to confidentiality provisions and restrictions that prohibit the use of that information beyond performance of specified services.  To guard your nonpublic information we maintain physical, electronic, and safeguards that comply with federal standards.