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Customer FAQ’s
Q: Who is Finova Capital?
A: Finova Capital is an industry leading financial services provider who has partnered with your merchant processing company, First American Payment Services, to provide lending solutions such as cash advance for their clientele.
Q: Will Finova Capital stack advances or take 2nd or 3rd position?
A: Finova Capital will not stack advances, however we may approve an advance and could require that we pay off the first advance netted from the funding amount.
Q: Are Bank Statements Required?
A: Bank Statements are required if the pay back method with the merchant is ACH, but could be helpful, especially for a large advance request amount and might be requested by credit.
Q: How often will you take payments?
A: Finova Capital will structure the offer to be either daily or weekly with the merchant depending on the credit profile.
Q: How can I obtain a copy of my cash advance agreement?
A: To obtain a copy of your agreement, please send a request to customercare@finovacapital.com and reference your Agreement Number. You will typically receive a response within 24-48 hours (excluding weekends). You should also be able to obtain a copy from the DocuSign email where you received and electronically signed those documents.
Q: I’ve changed bank accounts, who can I contact to update this?
A: To notify Finova Capital of a change in bank accounts, please contact customercare@finovacapital.com and request an ACH Change Form. Please complete, sign, and e-mail the document back to
customercare@finovacapital.com, along with a copy of a voided check or bank letter and reference your Agreement Number.
Q: What is my remaining balance?
A: Please contact customercare@finovacapital.com or by phone at (551)228-2100, extension 105 and a representative will be happy to provide that information.
Q. Do you have a portal where I can view my account information?
A: Not currently, but it is in the roadmap for the future.
Q: How much of my revenues will you take?
A: Finova Capital will hold a maximum of 15% of revenues from the merchant monthly. Details of the offer and repayment terms are provided with the offer letter and contracts signed.
Q: How often do I have to pay?
A: Offers will be structured as Daily or Weekly ACH payments directly from merchant.
Q: When will I be eligible for more funds?
A: Once you have paid down the current advance by 70%, you would be eligible for consideration for renewal.
Q: What happens to my cash advance if I sell my business?
A: This cash advance is separate from your processing agreement and your obligation to repay this advance remains in effect until fully paid. Selling your business may accelerate the remaining balance of your advance.
Q: What happens to my cash advance if I change processors?
A: Although your cash advance is separate from your processing agreement, a condition of the cash advance agreements that you are not allowed to change processors until your advance is paid off.