Credit Card Processing Merchant Account Services for Small Businesses. Universal Business Systems Inc (d.b.a.: EXS Credit Card Processing) provides FREE Credit Card Terminals as well as the Lowest Credit Card Processing Rates in the industry - Guaranteed! If you currently accept credit cards and want to save money on your credit card processing fees, contact us to recieve a FREE Credit Card Processing Rate Review/Cost Savings Report - We are so confident in helping businesses save money that if we cannot lower your rates and help save you money, we will pay you $500, no questions asked. EXS Credit Card Processing also provides Business Loan Cash Advances ($5k to $500k) within 5 days with quick 24 hour approvals. Need CASH to grow your business? Been turned down for a bank loan due to the banking credit crisis? Our affiliate company at www.CashAdvanceExchange.com , can help your business get the working capital your business needs to grow. Use your business loan for any business or personal need (purchase inventory, pay bills, expansion, vacations etc). Unlike traditional bank loans, we have NO strict approval requirements. NO upfront collateral requirements, NO financial documention requirements, NO closing costs or hidden fees and NO minimum credit requirements - Bad credit is accepted! EXS was recently voted the #1 Credit Card Processing Merchant Account company by the National Restaurant Federation and US Chamber of Commerce! Furthermore, EXS has an A+ rating with the Better Business Bureau - Go with a company that your can TRUST! WE LOOK FORWARD TO SERVING YOU!