[{"_1":2,"_439":-5,"_440":-5},"loaderData",{"_3":4,"_28":29,"_149":150},"root",{"_5":-7,"_6":7,"_8":9,"_10":11,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"nonce","gtmId","GTM-W4RP47LT","shouldLoadGTM",true,"honeypotInputProps",{"_12":13,"_14":15,"_16":17},"nameFieldName","name__confirm","validFromFieldName","from__confirm","encryptedValidFrom","AJonMLUxHBwTDBxUjZhWuw7p0JBSHgIKgzjyXkxEiSXgx01aBHSvPxw=","environment","prod","apiUrl","https://api.prod.us.jaris.co","applicationId","78f3bdb7-6fd5-48e7-9690-670f370d2105","clientToken","pub85599b2c47bc77bb5e5bbe10f11d84d3","partnerDisplayName","PCS","routes/$partner/layout",{"_30":31,"_32":33,"_34":35,"_36":9,"_37":38,"_139":140,"_147":9,"_148":110},"productName","Capital Connect","partnerName","pcs","isAuthenticated",false,"showFaq","config",{"_32":33,"_39":40,"_41":33,"_42":43,"_44":45},"flowType","invite-based","apiPartnerName","products",[],"marketingPageConfig",{"_46":47,"_59":60,"_72":73,"_88":89,"_101":102},"cta",{"_48":49,"_50":51},"heading","Fuel your business growth today.","ctaLabels",{"_52":53,"_54":55,"_56":57,"_58":55},"applyNow","Apply now","withInvite","Get started","withoutInvite","Sign in","startApplication","hero",{"_61":62,"_63":64,"_65":66,"_67":68,"_50":69,"_70":71},"headline","{partnerDisplayName} financial tools","imageAlt","Dashboard preview showing financial tools interface","imageSrc","/img/invite-marketing/hero-dashboard-preview.png","subtitle","Powered by Jaris",{"_52":53,"_54":55,"_56":57,"_58":55},"description","Easy-to-use bank products to manage and grow your business.","stats",{"_74":75,"_87":35},"items",[76,81,84],{"_77":78,"_79":80},"label","Capital deployed","value","$1B+",{"_77":82,"_79":83},"Licensed and operating","50 states",{"_77":85,"_79":86},"Enterprise-grade security","SOC 2","enabled","footer",{"_90":91,"_96":97,"_100":9},"quickLinks",[92],{"_93":94,"_77":95},"href","https://jaris.com","Learn more about Jaris","disclaimers",[98,99],"If approved for an Instant Payout account, Merchant may request an Instant Payout once in a 24 hour period, up to the lesser of $9,999 or the amount currently available in the Merchant's Instant Payout dashboard. Requests are subject to availability and may be delayed or declined due to risk/compliance review or technical limitations.","All loans are issued by one of Jaris Lending, LLC's partner banks and serviced by Jaris Lending, LLC (NMLS ID: 2281431). The individual owner authorized to act on behalf of the business must be based in the United States with a U.S.-issued taxpayer identification number and at least the age of majority. A valid U.S. bank account is required. The actual fee depends upon payment card processing history, loan amount, and other eligibility factors. Loan eligibility is not guaranteed. All loans are subject to credit approval.","includeJarisLinks","featureSections",[103,118],{"_74":104,"_87":35,"_48":116,"_70":117},[105],{"_106":107,"_63":108,"_65":109,"_67":110,"_111":112},"title","How to get started","Streamlined payment processing","/img/invite-marketing/feature-instant-payouts.png","","bulletPoints",[113,114,115],"Step 1: Fill out a short application with your business, ownership, processing, and banking details.","Step 2: We verify your information to set up your payment processing account.","Step 3: Access your dashboard to manage payments and view personalized offers for additional products like loans and instant payouts.","Payment processing made simple","{partnerDisplayName} provides reliable, affordable payment processing services to help you accept payments and grow your business.",{"_74":119,"_87":9,"_48":137,"_70":138},[120,128],{"_106":121,"_63":122,"_65":109,"_67":123,"_111":124},"Instant Payouts","Instant Payouts feature showing available payout interface","Access your sales revenue in minutes, not days.",[125,126,127],"Transfer up to $10k from today's card sales¹","Receive funds any day, including weekends and holidays","Pay one transparent fee, only when you use it",{"_106":129,"_63":130,"_65":131,"_67":132,"_111":133},"Business Loans","Business Loans feature showing loan approval interface","/img/invite-marketing/feature-loans.png","Get affordable capital to fuel your growth.",[134,135,136],"Apply in minutes for a same-day decision","Access tailored offers based on your sales","Automate repayments through your daily revenue","Scalable, secure, and reliable financial solutions","{productName} partners with Jaris to deliver secure, bank-grade financial solutions built specifically for small businesses like you.","content",{"_141":142},"email",{"_143":144,"_145":146},"support","support@jaris.com","servicing","servicing@jaris.com","hasPartnerInPath","incidentBannerText","routes/$partner/faq",{"_151":152,"_154":155,"_430":431,"_438":33,"_32":31},"allProducts",[153],"FLEX_LOAN","faq",{"_153":156,"_308":309,"_367":368},{"_87":9,"_157":158},"sections",[159,211,225,260,280],{"_74":160,"_106":210},[161,166,173,176,179,182,185,188,194,198,202,207],{"_106":162,"_70":163},"What is ?",[164,165]," gives small business customers commercial capital faster and easier than traditional commercial loans, often at better terms than merchant cash advances."," loans are fixed-fee and repaid via a percentage of your daily transactions. There are no periodic interest charges, late fees, or prepayment penalties. Funds are deposited as soon as the next business day if approved, so you can invest in your business immediately to increase inventory, purchase equipment, hire employees, and more.",{"_106":167,"_70":168},"How do customers access loans?",[169,170,171,172],"The process is designed to be seamless:","1. **Receive your offer.** Eligible merchants receive personalized loan offers in their Dashboard based on their business activity.\n2. **Apply in minutes.** Complete a pre-filled application in minutes and get a same-day decision.\n3. **Select & sign.** Choose your desired loan amount and digitally sign your agreement.\n4. **Get funded.** Funds are typically deposited to your bank account as soon as the next business day.","The exact terms of your loan are always displayed in your Dashboard and can be found in the Pricing and Repayment Table in your loan agreement.","All loans are issued by one of Jaris Lending, LLC's partner banks and serviced by Jaris Lending, LLC. The individual owner authorized to act on behalf of the business must be based in the United States with a U.S.-issued taxpayer identification number and be at least the age of majority. A valid checking account held at a U.S. bank is required for funding. Loan eligibility is not guaranteed. All loans are subject to credit approval.",{"_106":174,"_70":175},"How does applying for a loan affect my personal credit score?","It does not. A soft credit pull is performed, which does not affect your credit score. Though your personal credit score plays a role in qualifying, your offer is based primarily on your business' sales history.",{"_106":177,"_70":178},"What can I use my loan for?"," loans are for business and commercial purposes only. For example, you can use the loan funds to buy inventory or equipment, hire staff, open new locations, or help with temporary business cash flow needs.",{"_106":180,"_70":181},"How long does it take to receive loan funds?","Once your application is approved, funds are typically transferred to your business' bank account within one business day.",{"_106":183,"_70":184},"How can I obtain my loan statements?","You can access statements for current or past loans via your Dashboard at any time.",{"_106":186,"_70":187},"How do I sign my agreement?","After you select your desired loan amount in your Dashboard, you will be directed to digitally accept (and download) your loan agreement.",{"_106":189,"_70":190},"Does applying for a loan require collateral?",[191,192,193]," loan agreements include a Performance Guarantee where owners are personally responsible for ensuring that the business meets the obligations of the loan agreement.","Depending on the size of your loan, you may be required to grant the lender a first-lien security interest in the assets of the business as part of the loan agreement.","For loans of $500,000 or more, additional performance guarantees are required by any affiliated companies to your business or by your beneficial owners' affiliated companies (as defined in the loan agreement). If your company does not have any affiliated companies, then beneficial owners will be required to submit a Personal Guaranty. These conditions are subject to the specific terms of the loan agreement.",{"_106":195,"_70":196},"My credit report is locked. What should I do?",[197],"If your credit is locked or frozen with Experian, please lift the freeze temporarily to allow us to complete a soft credit pull during your application. Freezes with TransUnion or Equifax will not affect your application. If we're unable to complete the credit check, our support team will contact you with next steps.",{"_106":199,"_70":200},"I have a fraud alert on my credit report, what should I do?",[201],"If you have a Fraud Alert on your credit report, the support team will reach out to verify your identity per the instructions in your credit report.",{"_106":203,"_70":204},"Do I need to change anything about how I receive my sales?",[205,206],"No. With , loan repayments occur automatically as a percentage of daily card sales; as long as you are processing as usual, your loan should be paid in full on time.","If you plan to change payment processors, please contact the loan servicer, Jaris Lending, LLC, immediately at [support@jaris.com](mailto:support@jaris.com) or by phone at (888) 802-2858 between 8 a.m. - 5 p.m. PT, Monday - Friday. Because your loan is repaid through your daily card sales, moving your processing to another company will cause your account to enter Default, and the outstanding balance will be due in full.",{"_106":208,"_70":209},"Will my offer expire?","Your offer is good for 14 days, the exact expiration date can be found next to your loan offer information in your Dashboard. If you do not accept your offer before the expiration date, you will be required to submit a new application.","How It Works",{"_74":212,"_106":224},[213,216,221],{"_106":214,"_70":215},"What fees do I pay with ?","Unlike traditional loans, only charges a transparent, fixed fee that you'll know before you sign an agreement. No ongoing interest charges, no hidden fees, and no late fees.",{"_106":217,"_70":218},"What is the fixed fee?",[219,220],"The fixed fee is a fraction of the principal loan amount. The total amount due to be repaid is the sum of the principal loan amount and the fixed fee.","For example:\n- Loan Amount: $25,000\n- Fixed Fee: $4,000\n- Total Amount Owed: $29,000",{"_106":222,"_70":223},"How is my fee calculated?","The fee is based on a formula that considers your business' performance and many other factors assessed during the underwriting process.","Fees",{"_74":226,"_106":259},[227,232,235,238,243,246,249,254],{"_106":228,"_70":229},"How do I repay my loan?",[230,231],"Much like your card processing fees, loan payments are automatically deducted from your daily settlements as a percentage of card sales, until the loan amount and fixed fee are paid in full.","This means repayment matches your business' cash flow. The total amount owed (loan amount plus fixed fee) never changes. You may also make prepayments from your Dashboard without any prepayment penalties.",{"_106":233,"_70":234},"What is the repayment percentage?","The repayment percentage is the percentage of your business’ daily card sales that are automatically withheld to repay your loan.",{"_106":236,"_70":237},"When does repayment begin?","Repayment begins within 3 days of your loan being funded.",{"_106":239,"_70":240},"Is there a minimum payment?",[241,242],"Yes, loans have a minimum payment requirement. You will be able to see the expected minimum payment when selecting the loan amount in your Dashboard. The loan agreement also includes the required minimum amount that must be repaid each payment period.","If the cumulative payments made for that payment period do not meet the minimum requirement, you will need to make a manual payment in your Dashboard to make up the difference. The minimum payment and the length of your payment period can be found in your Dashboard at any time.",{"_106":244,"_70":245},"What happens if I do not make a payment and don't meet the minimum?","If you have not met the minimum payment requirement at the end of your payment period, your loan will enter Default. If a payment isn't made within 5 days of entering Default, the loan servicer may debit your bank account for the difference owed. This may also affect your eligibility for a loan renewal.",{"_106":247,"_70":248},"Can I make additional payments toward my loan balance, independent of my sales?","Yes. You are welcome to make additional payments or even pay the loan in full with no prepayment penalties at any time in your Dashboard. Automatic withholdings will continue, even if you make additional payments through your Dashboard until your balance is paid in full. Manual prepayments take 3 business days to settle. Once all payments have settled, any overpayments will be refunded to your business’ bank account.",{"_106":250,"_70":251},"Can I pay off my loan early?",[252,253],"Yes, you can pay off your loan at any time at no additional cost and without prepayment penalties in your Dashboard or by requesting wire instructions from the loan servicer, Jaris Lending, LLC, at [support@jaris.com](mailto:support@jaris.com) or by phone at (888) 802-2858 between 8 a.m. - 5 p.m. PT, Monday - Friday.","Your fixed fee is determined at the time of application and won't change as a result of additional payments.",{"_106":255,"_70":256},"What is the difference between the loan maturity and the estimated payback period?",[257,258],"Your loan matures at the end of your loan term. This maturity date is the date on which the loan is due and can be found in your loan agreement. Any outstanding balance due at the end of the loan term will be due in full on the maturity date and may be collected automatically via bank debit (ACH).","The estimated payback period is the period of time within which most loans are repaid given the automatic repayment from your daily card sales.","Repayment",{"_74":261,"_106":277,"_278":279},[262,265,268,271,274],{"_106":263,"_70":264},"What is a Settlement Account?","The Jaris settlement account ensures your flex loan repayments happen automatically and transparently. Since your loan is repaid as a percentage of your daily card sales, we need a way to calculate and collect the correct amount each day. Your card sales are deposited into your settlement account, where we withhold the agreed-upon percentage for your loan repayment. The remaining funds are then transferred to your business bank account. This system gives you flexibility, you pay more when sales are strong and less when they're slower, while ensuring consistent loan repayment without requiring manual transfers or fixed monthly payments.",{"_106":266,"_70":267},"Do I need to do anything to set up this new Settlement Account?","No action is required from you other than reading and signing your loan agreement, which includes a Payment Instruction Notice. We will send the signed Payment Instruction Notice to , notifying them that you have authorized the account change to the new Settlement Account.",{"_106":269,"_70":270},"What is a “settlement account”? Is this actually my account?","Yes, this is a dedicated bank account created specifically for your business. The funds deposited into this account are legally yours. However, the bank is instructed to automatically split these funds according to your loan agreement, withholding the agreed-upon repayment percentage to service your loan, and transferring the remainder to your primary business bank account. This unique account structure enables the automatic daily repayment process while keeping your funds secure and transparent.",{"_106":272,"_70":273},"Can I access my settlement account directly to deposit or withdraw funds?","No, you cannot deposit or withdraw funds from this account directly. Think of this as a passthrough account where your card sales are deposited, the repayment percentage is automatically withheld for your loan, and the remainder is promptly transferred to your primary business bank account. Jaris strives to settle funds to your business account using real-time payment rails for the fastest access to your money, though we may need to use ACH transfers if real-time bank transfers are unavailable. All account activity and statements are available for review anytime through the Merchant Portal.",{"_106":275,"_70":276},"Will I continue to receive my money when I normally do?","In most cases, yes. Jaris prioritizes using real-time payment rails to minimize any delay in getting funds to your business account. However, depending on your bank's capabilities and whether real-time transfers are available, there may be a small delay—typically just a few hours if we need to use ACH transfers instead. You can monitor all settlement activity in real-time through the Merchant Portal.","Settlement Accounts","linkAnchor","settlement-accounts",{"_74":281,"_106":306,"_278":307},[282,285,288,291,294,297,300,303],{"_106":283,"_70":284},"Once I pay off this loan, am I eligible for a new one?","Once your loan is paid in full, will automatically evaluate your business for new offers and, if eligible, you will again see a pre-qualified offer in your Dashboard. Eligibility is based on a variety of factors related to your business, including payment processing volume, account history, transaction frequency, and numerous other attributes.",{"_106":286,"_70":287},"Why was my application declined after receiving a pre-qualified offer?","We understand being declined can be disappointing, so we want to provide transparency for you. After you apply for a loan through , your information goes through a more in-depth review process including looking at your personal credit history and most recent business performance. The reason your application was declined can be found in the email notice you received from [servicing@jaris.io](mailto:servicing@jaris.io).",{"_106":289,"_70":290},"What are the reasons for being declined?","There are various requirements that must be met to qualify for a loan. Some reasons for an application to be declined include material changes in the business' performance, such as delinquencies, bankruptcy, or declines in transaction frequency, transaction volume, or credit score.",{"_106":292,"_70":293},"Do you offer loans in all 50 States?","Yes, offers loans in all 50 U.S. states.",{"_106":295,"_70":296},"Why can't I obtain a loan for less than $25,000 if my business is in Rhode Island?","Rhode Island requires additional obligations for companies offering loans of $25,000 or less. is working with state regulators to offer smaller loans, but until then, they can only offer loans greater than $25,000 to sole proprietors.",{"_106":298,"_70":299},"Why can't I obtain a loan for less than $10,000 if my business is in New Mexico?","New Mexico requires additional obligations for companies offering loans of $10,000 or less. is working with state regulators to offer smaller loans, but until then, they can only offer loans greater than $10,000.",{"_106":301,"_70":302},"Why can't I obtain a loan for less than $5,000 if my business is in Ohio or South Dakota?","Ohio and South Dakota require additional obligations for companies offering loans of $5,000 or less. is working with state regulators to offer smaller loans, but until then, they can only offer loans greater than $5,000.",{"_106":304,"_70":305},"What if my business changes ownership or processor?","Please contact the loan servicer, Jaris Lending, LLC, immediately at [support@jaris.com](mailto:support@jaris.com) or by phone at (888) 802-2858 between 8 a.m. - 5 p.m. PT, Monday - Friday.","Other Questions","flex-loan-other-questions","INSTANT_PAYOUT",{"_87":9,"_157":310},[311,347,355],{"_74":312,"_106":210},[313,317,320,326,329,332,335,338,341,344],{"_106":314,"_70":315},"What are Instant Payouts?",[316],"Instant Payouts allow you to transfer available sales transactions to your bank account typically within minutes for a small fee. Transfers are available 24 hours a day, 7 days a week, including holidays and weekends. Funds will typically appear in the associated account within 30 minutes. Funds that you do not send instantly will be processed according to your normal settlement schedule with your processor.",{"_106":318,"_70":319},"How do I enable Instant Payouts?","If you are eligible for Instant Payouts, you will receive an invitation to apply via email and/or in your dashboard. Applications are typically approved within the same business day. Once approved, Instant Payouts will be enabled so you can access your funds instantly.",{"_106":321,"_70":322},"How do I initiate an Instant Payout?",[323,324,325],"You can initiate an Instant Payout up to your maximum eligible balance to your linked bank account or debit card.","1. Sign in to your Capital dashboard. From your Home page, navigate to Instant Payout → View.\n2. Review your Available Payout balance, which is based on your recent sales transactions.\n3. Input the amount that you would like to transfer instantly, then click Transfer Funds.\n4. Perform a final review of the transfer amount, fee amount, and payout destination. Click Transfer $[XXX] to receive your funds.","Funds are paid out immediately and typically arrive at your payout destination within minutes. You’ll receive a confirmation email when the Instant Payout is successful.",{"_106":327,"_70":328},"What happens after I receive my Instant Payout funds?","Instant Payouts provide you with early access to your sales settlements. Until your settlements exceed your Instant Payout amount, your settlements will be used to offset the Instant Payout amount. Any settlements in excess of your Instant Payout amount will be deposited to your account.",{"_106":330,"_70":331},"When can Instant Payouts be initiated?","Instant Payouts are available 24 hours a day, 7 days a week, including weekends and holidays. The eligible amount shown in your dashboard is driven by your daily credit card sales transactions. The eligible balance resets each weekday at 5am ET.",{"_106":333,"_70":334},"How do I know if I have funds available for an Instant Payout?","You will see an Available Payout amount in your Merchant dashboard, based on your eligible sales transactions.",{"_106":336,"_70":337},"How often can I take an Instant Payout?","As of now, you’re limited to a maximum of five Instant Payouts per day, up to a maximum of $9,999 per payout or your remaining available balance.",{"_106":339,"_70":340},"Why is my available balance low?","Each day your balance resets to zero and accumulates as you transact throughout the day. The more you transact, the higher the available balances; balances are updated approximately every two hours.",{"_106":342,"_70":343},"Where does my remaining available balance go if I send a portion via Instant Payout?","Any additional sales will naturally settle in your business bank account according to your normal settlement schedule with your processor.",{"_106":345,"_70":346},"What if I have a chargeback?","If a chargeback occurs, your unsettled Instant Payout balance will carry over to the next day’s transactions to settle the outstanding balance. Frequent chargebacks may affect your eligibility for future Instant Payouts.",{"_74":348,"_106":224},[349,352],{"_106":350,"_70":351},"How much is the fee?","The fee is displayed on the modal for the Instant Payout amount and is viewable from your Instant Payout dashboard. The fee is set by your processor and is typically 1.5% of the Instant Payout amount. The fee is only charged when an Instant Payout is completed.",{"_106":353,"_70":354},"Do I pay a fee on all my transactions?","No. The fee only applies when you initiate an Instant Payout and only applies to the funds you transfer.",{"_74":356,"_106":306},[357,360],{"_106":358,"_70":359},"Can I initiate an Instant Payout if I have an active loan?","Yes, Loan and Instant Payout can be used concurrently, and your Available Payout amount will adjust accordingly.",{"_106":361,"_70":362},"Why are my Instant Payout funds no longer available?",[363,364,365,366],"You may not see funds available for a few reasons:","• You are limited to a maximum of five Instant Payouts per day. If you already took five Instant Payouts today, any remaining balance will be processed according to your normal settlement schedule.","• There is a minimum Instant Payout amount of $100. If you have not transacted enough yet today, you will need to wait until you have more transactions.","• If you have exceeded the chargeback limit, Instant Payouts will be disabled.","INSTALLMENT_LOAN",{"_87":35,"_157":369},[370,395,402,419],{"_74":371,"_106":210,"_278":394},[372,375,378,379,380,381,382,383,384,386,390,392],{"_106":162,"_70":373},[164,374]," loans are fixed-fee and repaid via recurring bank (ACH) debits. There are no periodic interest charges, late fees, or prepayment penalties. Funds are deposited as soon as the next business day if approved, so you can invest in your business immediately to increase inventory, purchase equipment, hire employees, and more.",{"_106":167,"_70":376},[169,377,171,172],"1. **Receive your offer.** Eligible merchants receive personalized loan offers in their Dashboard based on their business activity.\n2. **Apply in minutes.** Complete a pre-filled application in minutes and get a same-day decision.\n3. **Select & sign.** Choose your desired loan amount and digitally sign your agreement.\n4. **Repay automatically via daily bank (ACH) debits.** You can also make manual payments - or pay the loan in full - in your Dashboard with no prepayment penalties.",{"_106":174,"_70":175},{"_106":208,"_70":209},{"_106":180,"_70":181},{"_106":183,"_70":184},{"_106":177,"_70":178},{"_106":186,"_70":187},{"_106":199,"_70":385},[201],{"_106":203,"_70":387},[388,389],"No. With , loan repayments occur automatically as recurring bank (ACH) debits.","Please note: if you change your bank account without providing written notice to the loan servicer within 3 business days, your loan will immediately enter Default, and the outstanding balance will be due in full.",{"_106":189,"_70":391},[191,192,193],{"_106":195,"_70":393},[197],"how-it-works",{"_74":396,"_106":224,"_278":401},[397,398,400],{"_106":214,"_70":215},{"_106":217,"_70":399},[219,220],{"_106":222,"_70":223},"fees",{"_74":403,"_106":259,"_278":418},[404,406,408,409,412,414,417],{"_106":228,"_70":405},"Loans are repaid through recurring bank (ACH) debits. Your agreement will outline the repayment terms and schedule.",{"_106":239,"_70":407},[241,242],{"_106":236,"_70":237},{"_106":410,"_70":411},"Can I make additional payments toward my loan balance?","Yes. You are welcome to make additional payments or even pay the loan in full with no prepayment penalties at any time in your Dashboard. Manual prepayments take 3 business days to settle. Once all payments have settled, any overpayments will be refunded to your business’ bank account.",{"_106":250,"_70":413},[252,253],{"_106":255,"_70":415},[257,416],"The estimated payback period is the period of time within which most loans are repaid given the installment payment amount and interval in the loan agreement.",{"_106":244,"_70":245},"repayment",{"_74":420,"_106":306,"_278":429},[421,422,423,424,425,426,427,428],{"_106":283,"_70":284},{"_106":286,"_70":287},{"_106":289,"_70":290},{"_106":292,"_70":293},{"_106":295,"_70":296},{"_106":298,"_70":299},{"_106":301,"_70":302},{"_106":304,"_70":305},"installment-loan-other-questions","bankInfo",{"_432":433,"_434":435,"_436":437},"id","FIB","name","First Internet Bank of Indiana, Member FDIC","websiteUrl","https://www.firstib.com/","rawPartnerName","actionData","errors"]

FAQ

Flex Loan and Repayment

How It Works

Fees

Repayment

Settlement Accounts

Other Questions