Cash for your business, fast and simple.
$10K–$500K in working capital, approved in about a day. No collateral, no credit hit to apply, and payments that flex with your sales. A real person guides you the whole way.
Instant funding estimate
Live estimateEstimate only, based on revenue and time in business. Actual advance amount, factor rate and term are set during underwriting. A merchant cash advance is a purchase of future receivables, not a loan. *Funding times vary.
About Us
See what sets MRCHNT Funding apart — our story, our mission, and why small businesses choose us.
Learn More About Us →Industries
From retail to restaurants, construction to healthcare — we fund the businesses that keep America running.
Industries We Serve →Independent Sales Organizations
Join our ISO partner network and earn competitive commissions helping businesses access fast capital.
Learn More About Our ISOs →How It Works
Getting the capital you need has never been easier. Our streamlined process gets you funded quickly so you can focus on growing your business.
Quick Application
Fill out our simple online application in just 5 minutes. No complex paperwork or lengthy forms required.
Fast Review
Our team reviews your application within 24 hours. We look at your business performance, not just credit scores.
Get Funded
Once approved, funds are deposited directly into your business account in as little as 24 hours.*
Why Businesses Choose Us
We've designed our funding solutions with your business needs in mind. Here's what sets us apart.
Lightning Fast Funding
Receive capital in as little as 24 hours.* No waiting weeks or months.
No Collateral Required
Your business assets stay safe. We base decisions on your sales performance, not collateral.
Flexible Repayment
Payments adjust with your sales. When business is slower, so are your payments.
Simple Application
No lengthy paperwork. Our streamlined process takes just minutes to complete.
All Credit Considered
We focus on your business potential, not just your credit score. Most businesses qualify.
Dedicated Support
A real person to guide you through the process and answer all your questions.
Industries We Serve
From retail to healthcare, we've helped thousands of businesses across various industries access the capital they need to thrive.
Success Stories
Join thousands of business owners who have used our funding to grow their businesses and achieve their goals.
"When our kitchen equipment failed unexpectedly, MRCHNT came through with funding in just 2 days. They saved our business during our busiest season."
"The application was incredibly simple. I was skeptical at first, but they delivered exactly what they promised. Now I can take on bigger projects without cash flow worries."
"Traditional banks turned me down, but MRCHNT saw the potential in my business. Their flexible payments make managing cash flow so much easier."
Frequently Asked Questions
Got questions? We've got answers. If you don't see your question here, feel free to contact us directly.
How is a merchant cash advance different from a loan?
A merchant cash advance is not a loan. Instead, we purchase a portion of your future sales at a discount. This means there's no fixed monthly payment—your remittance adjusts based on your actual sales volume, making it more flexible during slower periods.
How much capital can I receive?
Advance amounts typically range from $10,000 to $500,000, depending on your average monthly revenue and business history. Most businesses receive an offer within 1-3 times their average monthly sales volume.
What do I need to qualify?
To qualify, your business should have been operating for at least 6 months with a minimum of $10,000 in monthly revenue. We accept most business types and consider all credit backgrounds—we focus on your business performance, not just your credit score.
How quickly can I get funded?
Most applications are reviewed within 24 hours. Once approved, funds are typically deposited into your business bank account within 24-48 hours. In some cases, same-day funding may be available.
Are there any hidden fees?
No hidden fees. We believe in complete transparency. Your factor rate and total repayment amount are clearly stated upfront before you accept any offer. There are no application fees, origination fees, or early repayment penalties.
Can I use the funds for any business purpose?
Yes! You can use your advance for any business purpose including inventory, equipment, marketing, payroll, renovations, expansion, or any other operational needs. There are no restrictions on how you use the capital.
What happens if my sales slow down?
One of the biggest advantages of a merchant cash advance is that remittance is tied to your sales. If business slows down, your daily remittance amount decreases proportionally. This provides natural flexibility during seasonal slowdowns or unexpected challenges.
Can I renew or get additional funding?
Yes! Many of our clients return for additional funding. Once you've repaid a portion of your advance (typically 50-60%), you may be eligible for renewal with potentially better terms based on your payment history.
Ready to Grow Your Business?
Join thousands of business owners who have used MRCHNT to fuel their growth. Apply now and get funded in as little as 24 hours.*