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PAYTOO Capital offers a smart funding solution for merchants in the form of a purchase of a specified dollar amount of the merchant business’ future sales, at a discount.

Our program uses a financial process known as accounts receivable financing wherein only a small percentage of the merchant's monthly receivables is deducted directly from the Merchant's account as repayment, eliminating the need of bills or the worry of late fees assessment.

PAYTOO Capital delivers a comprehensive and convenient solution to help business owners grow their operations.

Rather than having the business owner repay a high fixed monthly payment until a set maturity date as with a traditional loan, he will only remit a set percentage of daily sales, on a daily basis, until the total amount of purchased receivables is remitted in full to PAYTOO Capital.

Merchant is only charged on the amount utilized, not on the total amount funded.

PAYTOO Capital aims to help companies of all sizes to achieve their business dreams and grow securely. Our main goal is to offer a simple, easy application and quick approval process and be a leader in the industry in helping out small business owners. PAYTOO Capital fully understands the various needs of growing businesses and can provide tailored lending solutions to each merchant, addressing specific needs.

The Application Process

Getting a Cash Advance with PAYTOO Capital is faster and easier than obtaining a traditional loan,
making your much needed capital, quickly accessible.


Fill out an application on line, provide all information requested, then upload the few required documents to complete your application.


Upon approval, your funds will be loaded on your Business PAYTOO wallet and you will need to activate your PAYTOO Capital Card to access your funds.


Once you’ve received your cash you’ll then be able to take what you need when you need it and use it to grow your business by loading your PAYTOO Card 24/7.

Frequently Asked Questions
What is a merchant cash advance?
A merchant cash advance is a lump sum of cash deposited into your company’s account in exchange for a percentage of your future sales until the total amount advanced is repaid.
What are the advantages of a merchant cash advance?
Your business can receive funds within a few days of submitting an application. This program allows much flexibility in managing cash flow as the advance is only paid back through daily transaction sales. With our merchant cash advance service, you are charged only on the amount you have utilized.
What are the advantages of using PAYTOO Capital?
PAYTOO Capital doesn’t tempt you into obtaining as much money as you can qualify for. Our offer is tailored to your needs only, and is designed for you to use as needed, hence facilitating budgetary and financial management. Under a traditional cash advance program, you will get the full amount immediately, you will be charged and begin repaying the next day, regardless or not you have utilized the full amount advanced to you.
What can I use a merchant cash advance for?
There are no restrictions on what you can spend your cash on. As a business owner, you know exactly what the strengths and weaknesses of your company are. You can fund a variety of business purposes including advertising, remodeling, expansion, maintaining payroll and more.
How much funding can I get?
Each business is different and thus requires different terms and conditions. With PAYTOO Capital, the amount of funding you receive is primarily determined based upon your monthly sales.
How is the advance paid back?
The advance is paid back through automatic debit from future receivables on a daily basis using the debit card attached to your business bank account.
Who qualifies for a merchant cash advance?
Merchant cash advances are offered to businesses in operations for at least 6 months with annual revenues of a minimum of $120,000
Do I need perfect credit to get approved?
Business owners who do not have a perfect credit rating or collateral to pledge are still able to get approved and receive funding. Because merchant cash advances are dependent on future sales, personal credit history is not considered as much as when applying for a small business loan from a bank.
How do I apply?
PAYTOO Capital’s application process is quick and simple. Our online application is a one-pager and you only need a few minutes of your day to complete and submit it. Once approved, one of our professionals will contact you to discuss your exact business needs and provide you with the best solution.
How long will it take for me to receive my funds?
Typically, on the day of approval. If outside business hours, then next business day.
Who can I contact if I have any questions?
You can contact our customer service by calling at 1-888-123-4567 or sending an email at support@paytoocapital.com
Can I pay my balance off at any time?
Yes, PAYTOO Capital lets you pay off your balance anytime.
Partnering with PAYTOO Capital
Distribution Partnerships


Earn top commission rates working with us. Submit an application for instant approval.

We provide needed capital to small businesses in all industries even when they’ve been turned down by their own bank.

As a PAYTOO Capital partner, you’ll be working with a company that has high customer retention.

Distribution Partnerships


Increase your earnings by sending us referrals and get paid commissions helping your customers access capital.

We make it easy to open new revenue streams for your business, by referring your small business customers to PAYTOO Capital though our customer referral program.

All you need to do is submit the customer information through a simple online form and we take care of the rest.

Distribution Partnerships

Affiliate Program

The PAYTOO Capital affiliate program is free to join and offers unique benefits for you to generate revenue.

Convert small business traffic into additional new revenue and earn high commissions ($50.00 on each successfully funded application)

Increase customer satisfaction with resources that include an online application portal and start earning money.