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Commonly Asked Questions

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Why Titan

Why should I choose Titan?

When you choose us, you are actually choosing you. Why? Because we care more about growing your business than ours. If you don’t grow, we don’t grow. The majority of processors only specialize in payment acceptance. Our entire business model is built around providing you solutions to help you get paid in more ways, save more than you ever have, and grow your business.

Over the past 30 years we’ve positioned ourselves in the sweet spot of the industry. We’re privately owned, yet large enough to offer wholesale pricing. Because we are privately owned and debt free, we refuse to bring on investors. How does this benefit you? When companies go public, they now have to charge you more so they can pay their investors. We refuse to go that route. We believe you deserve the best price with the most value. Learn more about why you should choose Titan here.

Are there any long-term contracts or hidden fees?

No! Our merchants stay with us because they want to, not because we force them to. Feel free to close your account anytime without any penalties or hidden fees. We also won’t charge you setup fees, equipment leasing fees, annual PCI fees, bank deposit fees, customer service fees, or annual account fees. Full transparency & no surprises—it’s what we believe in.

How long does it take for funds to be deposited?

Next day funding is absolutely free for our merchants. Simply batch out at the specific time of day for your time zone and funds can be deposited on the next business day. Be sure to ask us about our express same-day funding options also!

How much do you charge for equipment?

$0! Zip, zilch, nada! How else can we put it? Free-4-life! When you choose Titan, you automatically benefit from our Free Terminal Placement program. With this program we will provide you with free equipment for the life of your account! This means if there’s ever an equipment defect, or if the equipment reaches its end-of-life cycle, you no longer have to fork out $300+ for a new terminal. We will immediately ship you another terminal replacement at no cost to you.

How much will it cost me to accept payments?

Payment acceptance costs are as unique as your business. We don’t offer one-size-fits-all solutions. Our goal is to understand your processing needs so that we can truly maximize your savings, and give you full control. Instead of being shoehorned into a solution that isn’t ideal, you’ll be able to get the solution that fits your needs at the price you want.

We also offer volume-based discounts. As your business grows, the initial pricing structure may no longer be the best one anymore. Give us a call any time and we’ll review your services with you. Rest assured we will always be here to help you save and grow—today and tomorrow.

How do I sign up?

You can sign up directly below. One of our account specialists will work with you to review your business needs, and provide you with some recommendations. Rest assured our account specialists are paid whether you sign up or not. So no hardcore sales people here!

You’ll also enjoy 100% free setup, free equipment and paper supplies for the life of the account. No annual processing fees, no annual PCI fees, no long-term contracts, and an easy month-to-month agreement.

Business Capital

How long will it take to get funds after I’ve completed the application?

You can be funded in as little as 24 hours! Your funding advisor will work with you on any requirements prior to funding, but we can move as fast as you do through the process.

What's the process to apply for capital?

Applying is quick and easy. This can be done by clicking on a pre-qualification offer or from the capital landing page. The process takes under 5 minutes to complete and is fully electronic! Once you’ve begun the application process, a dedicated funding advisor will work with you from start to finish and will be there to answer any questions along the way.

Will my credit be impacted when I apply?

Not at all. By applying, your credit will not be impacted without your consent. Your application will be reviewed by the funding advisor team and a dedicated advisor will walk you through the next steps and any potential credit checks in the process before they occur.

What if I have a question about the process during the application stage?

Your dedicated funding advisor will be available to answer any questions you may have at any point during the process via text, email or phone!

What products are available to me?

There are several products from term loans to lines of credit. The funding advisor team will work with you to find the best fit for your business both now and in the future.

What will I be expected to provide during the application process?

Completing the application requires light details to start. During the underwriting process, additional documents may be requested based on specific lender requirements. If any are needed, your advisor will guide you through the process.

Employee Retention Credit

What is the ERC?

The Employee Retention Credit (ERC) is a refundable tax credit and not a loan. It is a stimulus program created by Congress to compensate businesses that retained employees during COVID. The program is complex, but many businesses are eligible, even if they had a PPP loan.

What is my maximum possible ERC Credit?

Your business may qualify for a maximum of $26,000 per employee, but most businesses do not qualify for the full amount. Accelerate Tax can help your business get the highest refund possible.

When will I receive my refund check?

It can take anywhere from several months to over a year to receive your refund check. We can help your business get your refund immediately, however. Be sure to ask one of our specialists how.

My revenues did not drop during COVID - am I still eligible?

Yes. You may be eligible if you were affected by a partial or complete government shutdown. You may also be eligible due to a decline in quarterly revenue. There are many ways to qualify, and we can help your business maximize your ERC.

Can I get my refund check immediately?

If your business qualifies for our advance payment option, you could receive your refund check within a few days.

How does it work?

After our CPAs prepare the filing, the IRS sends out a physical check in the mail. That’s it!

How can this program help my business

Our team focuses exclusively on helping businesses maximize their ERC tax refunds. Eligible businesses can also receive their tax refunds upfront without waiting.

Why haven't I heard of this?

Unlike the Paycheck Protection Program (PPP), most banks and financial institutions are not participating, and many accountants are excluded because of the complexity for determining qualification and credit size

If I received a PPP Loan, can I still qualify?

Even if your business received a PPP loan, you may still be eligible for ERC. PPP loan forgiveness may reduce the size of your ERC in certain quarters, depending on the amount forgiven and other payroll information.  Our CPAs are experts in maximizing your ERC.

Can I use my own accountant?

The ERC guidelines created by the IRS are over 200 pages long and have changed many times. Our CPAs specialize in the ERC and can help clients receive 15-25% more money than other firms.

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