Merchant Management Systems, Inc. Signs With AdvanceMe, Inc.

ATLANTA GA -- (MARKET WIRE) -- November 20, 2006 -- AdvanceMe, Inc. (AMI), the nation's foremost provider of Merchant Cash Advances for small- and mid-sized businesses, today announced that Merchant Management Systems, Inc. (MMS) will offer Merchant Cash Advance services to its merchant customers. AdvanceMe's best-in-class funding solution is quickly becoming recognized as one of the most "business-friendly" forms of working capital available today.

MMS, an electronic payment provider with a solid reputation for its range of processing services, offers its merchants and Independent Sales Organizations (ISOs) a wide array of payment vehicles. These include credit and debit card processing, check conversion, gift and loyalty card processing and electronic benefits transfers. AdvanceMe's funding approach integrates access to working capital with credit card processing, making it a natural fit with MMS' products and services. Because the funding product increases customer retention, this offering will also support MMS' ISOs in building and retaining their customer bases.

"AdvanceMe pioneered the industry and has continued to set a very high bar," states Pat Reed, president and chief executive officer, Merchant Management Systems. "Their best practices and infrastructures distinguish them -- their approach to technology, analytics and risk management is best-in-class. We are confident that our merchants will be well taken care of by AdvanceMe. We personally spoke with several of their customers and heard first hand how focused they are on customer service. I want MMS to align with providers that act like partners with their customers and AdvanceMe has proven itself to be an exemplary provider."

AdvanceMe became the recognized leader within the Merchant Cash Advance category by understanding the financial situation and challenges small- and mid-sized businesses face, and then developing predictive analytics that maximize approval rates while minimizing risks.

"We believe our Merchant Cash Advance offering will be a great benefit to MMS' clients and ISOs. We are gratified that a leading electronic payment provider such as MMS feels we can complement and extend their best-in-class services," said Glenn Goldman, chief executive officer of Capital Access Network, the parent company of AdvanceMe, Inc. "We are focused on consistently providing the acquiring industry, as well as merchants, with the confidence and reliability they seek from a funding source," concludes Goldman.

About Merchant Management Systems, Inc.

Merchant Management Systems (MMS) is one of the nation's fastest growing and most aggressive electronic payment providers serving the market place today. MMS offers a wide array of payment vehicles including credit and debit card processing, check conversion, gift and loyalty card processing and electronic benefits transfer with the utmost in speed, reliability and flexibility. MMS is dedicated to providing services with an absolute commitment to quality service and customer satisfaction. MMS can be reached at 1-800-795-6099 or www.OnlineWithMMS.com.

About AdvanceMe, Inc.

AdvanceMe, Inc. in Kennesaw, GA is the nation's leading provider of Merchant Cash Advances to small- and mid-sized businesses. Since 1998, AdvanceMe has made more than 30,000 advances, providing in excess of 14,000 business owners in all 50 states with more than half a billion dollars in working capital. Owners use AdvanceMe capital to renovate, purchase new equipment and supplies, fund advertising, manage unexpected expenses and seasonal downturns and free themselves from second mortgage liens and personal guarantees associated with loans. For more information about AdvanceMe's innovative working capital solution, call toll-free 1-866-838-5097 or visit www.AdvanceMe.com.

Contact Information: Contact: Lauren Shankman Trevelino/Keller Communications Group 404-214-0722 x110 Email Contact