We can provide your business with a cash advance against its merchant account of up to $175,000 per location. An alternative to a small business loan, these funds against future Visa and Mastercard sales are typically available within 7 days or less.     Discount Merchant Funding is one of the largest providers of merchant account financing in the country. To qualify for an advance against your merchant account, you only need to be processing credit cards for 60 days to receive a business cash advance against your future Visa and Mastercard credit card processing receipts.