EPI Capital in partnership with YouLend
Growth Capital.
No Collateral.
Repay As You Sell.
EPI Capital gives our clients up to 2x their monthly sales in business funding, with a decision within 24 hours and money in the bank in as little as two business days. Repayment comes from a small share of your daily card sales.
Decision Within 24 Hours — a pre-qualified, no-obligation offer after a short online application
$3,000 to $500,000 — up to 2x your monthly sales, sized to your processing volume
No Collateral Required — approval is based on how your business performs, not just a credit score
Repay As You Sell — a fixed share of your daily card sales, so a slow day means a smaller payment
Available to Tailored Transactions clients. Not a client yet? Your free savings analysis is the first step.
Funding Built Around Your Sales
Bank loans mean long applications, collateral and a fixed payment every month. EPI Capital is sized to your sales and paid back the same way.
Simple Application
Apply online in minutes. You hear back within 24 hours.
- Short online application
- Three months of bank statements
- Secure connection in under 2 mins
Flexible Amounts
Funding from $3,000 to $500,000, sized to your sales.
- Typically about 1x monthly sales
- Up to 2x monthly sales
- Offer tailored to your business
Fast Funding
Money in your account within two business days of approval.
- Sign electronically
- Funds within 2 business days
- No paperwork to mail
One Fixed Fee
No interest. One fee agreed up front, so your total cost is known on day one.
- No interest charges
- No hidden fees
- No transaction costs
Repay As You Sell
A fixed percentage of your card sales is collected automatically.
- No fixed monthly payment
- Busy week, you repay more
- Slow week, you repay less
No Early Payoff Penalty
Settle your balance on any day with no early repayment fee.
- Pay it off whenever you like
- Make extra payments anytime
- Typical term of 3 to 9 months
Use It for Whatever Grows Your Business.
Three Steps to Funding
From application to money in the bank in as little as a few days, with nothing to mail and no collateral to pledge.
Apply Online
A short application plus three months of business bank statements. Connecting your bank takes under two minutes.
Get Your Offer
Within 24 hours you receive a pre-qualified offer sized to your sales. It is non-binding, so you can walk away.
Receive Your Funds
Sign electronically and the money lands within two business days. Repayment then happens automatically from a fixed share of your card sales.
Want the details first?
One Team, One Platform
Electronic Payments, Inc. (EPI) is our parent company and the processing platform behind every Tailored Transactions account.
Tailored Transactions
Your merchant services provider. We set up your account, your pricing and your equipment, and we stay your point of contact.
EPI Capital
EPI’s business funding program, available to every merchant processing on the EPI platform.
YouLend
EPI’s finance partner. YouLend reviews your application, makes the offer and provides the funds.
Funding Comes With Your Account.
Because every merchant account runs on the EPI platform, our clients get access to EPI Capital automatically, with the same team they already know.
EPI Capital FAQs
Businesses with a U.S.-based owner, at least three months of trading history and at least $1,000 a month in sales over the last three months. The longer you have been in business, the better your offer tends to be.
No. EPI Capital is revenue-based financing. You receive a lump sum up front and repay it with a fixed percentage of your sales, so there is no fixed monthly payment and no interest rate. Repayment usually takes 3 to 9 months, depending on your sales.
One fixed fee agreed up front, unique to your business. There is no interest, no hidden charges, no transaction costs and no fee for paying early.
Yes. EPI Capital is available to merchants processing on the EPI platform, which includes every Tailored Transactions account. If you are not a client yet, a free savings analysis is the first step.
No. Your offer is non-binding and valid for seven days. If it does not fit your plans, you can simply let it expire.
LOWER FEES. FASTER FUNDING. GROWTH CAPITAL.
One More Reason to Switch. See What You Could Save
Get your free, no-obligation savings analysis with a line-item breakdown of where you’re overpaying, plus learn about our value-added benefits, including EPI Capital.
No obligation. Month-to-month. No early termination fee. Response within 1 business day.