Merchant Capital Access is a Melville, New York Merchant Cash Advance company. They offer businesses cash advances for capital improvements, new inventory, equipment financing, business expansion, marketing, advertising and renovations. Merchant Capital Access accepts upfront cash advance payments against credit cards and future electronic credit processing. This type of program is not offered by traditional banks or leasing companies, providing businesses with necessary up front expenses to cover payroll and other costly items. Working with credit card processing systems, they retrieve a fixed percentage of daily credit card payments, making payment coupons, prepayment penalties and late fees obsolete.