Merchant accounts are harder to qualify for now than they were just a couple of years ago. Delayed payments and rolling reserves are not uincommon.
Still, it does not hurt to see what you qualify for. I recommend Charge.com - if they cannot approve you, they have a partner who usually can. It costs nothing to find out if you qualify and what the terms are and they usually have an answer for you within 24 hours.
I am not affiliated with them, except as a customer. I get nothing if you decide to use them.
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