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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. Walnut Creek, CA
CoCard® is a registered ISO of Wells Fargo Financial Corporation Canada, Toronto, ON, Canada
CoCard® is a registered ISO/MSP of Fifth Third Bank, Cincinnati, Ohio