This document summarizes a cash advance program from Total Merchant Services that provides business owners capital for projects, improvements, or expansion plans. It is not a loan but an advance based on future credit card sales, which the business pays back by allowing TMS to take a small percentage of daily credit card transactions. This allows TMS to be paid more if business is booming or less if sales are slow, while providing the business with upfront money to expand freely without fixed payments, restrictions, collateral, or bank fees.