Independent Business Served Here

Get Working Capital Without the Hassle

We purchase a fixed amount of your future transactions. You get money now to cover your operational expenses. No fuss. No red tape.

Get Customized Pricing

We’ve Got Your Back

There’s a Small Army Devoted to Your Success

We believe in standing with independent business owners who believe in the American dream and are willing to work to chase it. That’s why you can always expect unflinching devotion from us.

Boost Your Business With Working Capital

No interest rate

No Interest Rate

Your balance will never increase regardless of how quickly the payback amount is repaid.

No late payments

No Late Payments

We collect a fixed percentage of your credit card transactions, so you’ll never worry about missing a payment.

Free to apply

Free To Apply

It wouldn’t make sense to charge an application fee, so we don’t ask for one. It’s that simple.

Get funding

Quick Funding

Once approved, you should receive funding in your account the day after signing.

Clear Rates, Complete Devotion

Our Pricing Models

Subscription Pricing

Open Merchant Account Online

Gravity Instant – our subscription pricing model – is perfect for businesses processing less than $60,000 a month — like many retail stores, counter-service restaurants, auto repair shops, home repairs, medical clinics, fitness studios, and more.


  • interchange
  • a nickel per swipe

Customized Pricing

Get a Quote Now

See how much money our pricing specialists can save your business on credit card processing.


  • We promise to never snake-charm you with one rate and then bamboozle you with another at the end of the month.
  • We promise to always have your back by not hiding nasty little terms or conditions in microscopic fine print.
  • We promise to always try to meet or beat your current credit card processing rates.
  • We promise to tell you when we can’t beat a great deal you’re already getting.

Because we believe in independent business, that’s why. We’re on your side.

Hear From A Business Owner

How Working Capital Helped This Restaurant

Manhattan Seattle, located in the heart of Capitol Hill, used Gravity Payments’ Working Capital program to help spur growth in their restaurant.

Working Capital Resources

An Investment Into Your Company's Future

Growth can come in many forms for businesses, but it’s always at the forefront of every entrepreneur’s mind. That’s why small business lending is an important asset to have in your toolbox.

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Build Your Business With Working Capital

Here’s how Manhattan Seattle used our small business lending program, Working Capital, to achieve growth.

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How To Find Your Effective Rate

We’ve always been curious why more small business owners don’t know this simple tool to find out if your merchant services fees are too high. Click here to learn what your effective rate is in 30 seconds or less.

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Apply For A Small Business Loan

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