Fast Funding
Funds in 24-48 hours
Easy Approval
Based on sales history
Flexible Terms
Payback as you earn
No Collateral
Unsecured financing
Funding Options
Choose the right financing for your needs
How It Works
Simple process, fast results
Apply Online
Simple application takes minutes
Get Approved
Decision within 24 hours
Receive Funds
Money deposited in 1-2 days
Repay Flexibly
Automatic payments from sales
Simple Requirements
We look at your business performance, not just your credit score. If you have consistent sales, you likely qualify.
Use Your Funding For
Business funding with no restrictions on how you use it. Invest in what matters most to your growth.
Why Choose Us
Business funding designed for merchants
Fast Decisions
Know if you qualify within 24 hours
Quick Funding
Receive funds in as little as 24 hours
High Approval
We approve businesses banks often decline
Competitive Rates
Transparent pricing with no hidden fees
Industries We Fund
Financing for businesses across all sectors
Frequently Asked Questions
Common questions about merchant capital and business funding
What is the difference between a merchant cash advance and a traditional business loan?
A merchant cash advance provides funding based on a business's future credit card or debit card sales. Repayments are typically taken as a percentage of daily transactions. Traditional business loans are issued by banks and require fixed monthly payments, longer approval times, and stricter credit requirements.
How much funding can a business qualify for?
Funding amounts depend on factors such as monthly revenue, credit card processing volume, and overall financial stability. Many merchant capital programs provide funding ranging from $5,000 to $500,000 or more, depending on the size of the business and its payment processing activity.
How are merchant capital payments collected?
Repayments are commonly collected through a small percentage of daily credit card sales or through scheduled ACH withdrawals from the business bank account. This structure allows payments to fluctuate with business revenue instead of requiring fixed monthly payments.
Can startups qualify for merchant capital?
Some lenders offer funding programs for newer businesses, but most merchant capital providers require a minimum operating history of 3–6 months and consistent revenue deposits. Businesses with steady sales activity have a better chance of qualifying.
Is merchant capital the same as a small business loan?
No. Merchant capital is technically a purchase of future receivables rather than a loan. Because the funding is tied to future revenue, the approval process is often faster and requires fewer traditional underwriting requirements compared to bank loans.
What documents are required to apply for merchant funding?
Most applications require basic documentation such as recent business bank statements, merchant processing statements, business identification information, and proof of ownership. These documents help lenders verify revenue and determine the funding amount.
Can businesses with existing loans still qualify for merchant capital?
Yes. Many businesses obtain merchant capital even if they already have existing financing. Approval depends on revenue levels and the ability to support additional funding without affecting cash flow.
How long does the merchant capital approval process take?
Approval timelines are typically faster than traditional bank financing. Many funding programs review applications within 24–48 hours, with funds deposited shortly after final approval.
Are there restrictions on how merchant capital funds can be used?
Most merchant capital programs allow businesses to use the funds for any legitimate business purpose such as inventory, payroll, equipment, marketing, expansion, or managing cash flow during slower seasons.
What industries commonly use merchant capital financing?
Merchant capital is frequently used by industries with consistent payment activity such as restaurants, retail stores, salons and spas, healthcare providers, contractors, and service businesses. These businesses benefit from flexible repayment tied to their sales volume.
Merchant Solutions Corp provides business loans, merchant cash advances, working capital financing, and business lines of credit for small businesses across all 50 US states. Fast funding, flexible repayment options, and competitive rates for restaurants, retail, healthcare, and service businesses.
