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Email: info@backbonepayments.com
Phone: (949) 541-5412
Address: 2770 S. Harbor Blvd. #L Santa Ana, CA 92704
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Business Smart Credit Card

How it works

A portion of your daily settlement is split between your Credit Kick Start Business account and your regular bank account.  Funds deposited to the Credit Kick-Start account are posted as a credit balance and are available for immediate use.

  • Accept Payments the same as always

  • No disruption to your daily operations

  • Requires no personal guarantee

  • Card issued in your business name

  • Add a new line of credit to an existing line of credit. 

Cash Advance For Processing

How it works
  1. We determine your maximum cash advance by looking at the average amount of card sales you’ve had in the last 6 months, and the strength of your business.
  2. Once you’ve received your cash advance, we set up automatic deductions from your daily card sales. Payments are a fixed percentage of your daily processing volume. Payments rise and fall at the same rate as your processing volume.
  3. With a reasonable credit history and a good track record of card sales, you have a good chance of qualifying for this simple, easy source of working capital – even if you’ve been turned down by your bank or leasing company.

FAQ

Is this a loan?  No. This product is similar to accounts receivable factoring. Your future credit card sales is purchased for immediate cash in your account.

I have problems with my credit. Can I still get my cash? This product relies on real business performance rather than credit to evaluate applicants. This pragmatic approach allows any stable business to qualify for an advance.

Is this a one time only program?  No.  We are pleased to provide renewal transactions with our merchants.  Many merchants qualify for additional funding within 60 – 90 days. 

Social Media & Transaction Analytics

As a business owner, you understand the importance of making informed business decisions to run and grow your business. With Social Media and Transaction Analytics, your transaction data is transformed into rich, personalized insights to empower you to ease those business decisions.

This interactive, near-real-time dashboard is accessible anytime, anywhere – via online, the free mobile application or a Clover device.

With detailed business analytics at your fingertips, you can:

  • Gain customer insights based on spending patterns and segment categories such as new, repeat and local
  • Compare current sales with historical sales data
  • Understand the impact of your marketing efforts
  • Learn which days are your busiest and most profitable
  • Find out how your business is performing compared to similar businesses in your industry or neighborhood
  • Get a weekly business performance summary in your inbox with sales and customer data
  • And much more!

Better target your marketing

Access customer profiles to understand where your customers live, where they shop and how much they typically spend.

See how you stack up

View your sales figures by type and compare them to historical data and other businesses in your area.

Special Feature for Clover Merchants

As a Clover merchant, you will have access to a detailed Product Overview analytics feature – showing inventory levels and which products are selling best by customer category, revenue, and units sold. Receive breakdowns of product categories and your top selling products by new and returning customers.

Sign Up Now for a 30-Day Free Trial

Take advantage of Social Media & Transaction Insights for 30 days free!

After filling out a short registration form, you’ll have instant access to this interactive dashboard of your business performance and watch your transaction data into actionable insights!

View Insights anytime, anywhere via our web dashboard, mobile app or Clover device.