In the present invention, the advance payment for card sales of small business owners is stabilized, so that the difficulty in financing is smoothly resolved, and some of the advance payments are obligatory to subscribe to financial products, thereby improving the creditworthiness of small business owners, and the sales of financial products can be activated. It relates to a settlement method for win-win management of card sales for small business owners, and the settlement method includes a loan agreement execution step (S1) in which a loan agreement is performed between a small business entity and a funding company, and a financial product subscription step in which the small business entity subscribes to a financial product ( S2), the previous day card sales information obtaining step (S3) of obtaining information on the previous day's card sales, the advance payment calculation step (S4) calculating an advance payment from the previous day's card sales information, and the calculated advance payment It includes an advance payment deposit step (S5) for deposit processing to a small business owner, and a settlement amount receiving step (S6) for receiving the settlement amount for the corresponding card sales.
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