12B Capital provides access to the working capital you need to keep your business growing through small business financing and merchant cash advances. Small business financing is based on the gross deposits into your business account each month. They have a set term and daily/weekly payment. Merchant cash advances allows the business to take an advance on a portion of future credit and debit card sales. MCAs are an alternative to a set daily/weekly payment. 12B Capital also makes it possible for you to accept payments wherever and however your customers want to pay through our credit card processing services.