Merchant Services Products

Unlike traditional banks, we know that your merchant processing and residuals are your most valuable asset—which is why we view it as collateral for lending purposes. We’ll help you use those assets to power your acquisitions, growth, and cash flow needs with tailored options.

Portfolio Acquisition Loan

Looking to finance a portfolio acquisition—or sell yours? We create customized solutions for our ISO and agent partners based on our in-depth experience in portfolio evaluations. Whether you are looking to sell or purchase a portfolio, or need a business partner, Esquire is the bank for your acquisitions.

Features

  • Customized portfolio acquisition solutions
  • In-depth portfolio valuation expertise
  • Financing for portfolio acquisitions
  • Highly competitive rates and fees, typically better than non-bank finance companies

Agent Residual Acquisition Loan

Looking to sell your residual or finance a residual purchase? Our years of experience with residual streams—both with and without portability—results in a customized solution that works for your specific needs. Whether you’re selling or purchasing a residual stream, or looking for a business partner, Esquire is the bank for you.

Features

  • Customized residual acquisition solutions
  • Extensive residual acquisition knowledge
  • Financing for residual stream acquisitions
  • Highly competitive rates and fees, typically better than non-bank finance companies

Working Capital Line of Credit

This flexible revolving line of credit from Esquire Bank provides access to funds when needed, supports gaps in your firm’s cash flow and can help build your business by allowing you to finance new revenue streams instead of self-financing or turning business away.

Applying for a line of credit before you need it gives you the flexibility to make the best decisions for your business at the right time, rather than letting an opportunity pass you by.

Features

  • Utilize your merchant residuals as collateral
  • Access to funds when needed
  • Utilize funds to invest in your firm’s resources
  • Repayment options available
  • Highly competitive rates and fees, typically better than non-bank finance companies

Merchant Term Loan

Establish or build your business with greater ease and unlock funds to realize your vision. Purchase office furnishings, fixtures and equipment, launch a technology initiative, remodel or improve your building, and finance a wide variety of projects.

Features

  • Utilize your merchant revenue as collateral
  • Flexible draw periods converting to repayment terms
  • Range of maturity terms of up to 7 years
  • Amortization terms of up to 15 years
  • Limited financial restrictions placed on the firm or owners
  • Highly competitive rates and fees, typically better than non-bank finance companies

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