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Capital that builds

Financing solutions to fuel your business.

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Fast Funding

Approval process is quick & easy

High Approval

Most FICO scores accepted

Safe & Secure

Safe, secure, and confidential

How can funding help your business?

Manage cash flow
Grow your business
Buy equipment
Cover expenses
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Flexible Lending Solutions

Select a product to compare structure, repayment, and approval style.

Term Loans

A lump-sum loan repaid in fixed installments over a defined term. Best for planned, one-time investments.

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At Merchant Management, we know financing your business can feel overwhelming and time-consuming amid daily tasks like operations, accounts receivable, accounting, and marketing. That’s why our lending solutions are designed to fuel growth without the hassle.

CapitalProvided

$35+ million

in capital provided

500Businesses

500+

businesses funded

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Google reviews

Google Stars

With quick approvals based on key metrics like revenue and cash flow, we help you focus on what matters: building your success.

Get Started

What you’ll need
to get started…

BusinessCheck 2

Copy of your
business check

License 2

Copy of your
drivers license

BankStatement 2

Three most recent business
bank statements

Frequently Asked Questions

  • What lending products does Merchant Management offer?

    We provide multiple options to support your business growth: Term Loans for lump-sum funding with fixed payments, Lines of Credit for revolving access to funds as needed, and Asset-Based Lending that leverages your assets and convert equity into cash.

  • How is Merchant Management’s lending different from banks?

    No rigid requirements and lengthy processes, we focus on your business performance (not just your credit score) for faster approvals. Our solutions are tailored to your needs without the bureaucracy.

  • Who is eligible for your lending products?

    Businesses of all sizes and industries qualify, including startups and established firms. We evaluate eligibility based on revenue, time in business, and performance metrics, not solely on personal credit.

  • What documents do I need to apply?

    We require basic business information like bank statements, a driver’s license, and a business check. Our streamlined process minimizes paperwork. Submit online for a quick review.

  • How quickly can I get approved and funded?

    Most applications receive a decision within 1-2 business days, with funding available in as little as 24 hours after approval, depending on the product and your business profile.

  • Do you require collateral for all loans?

    Term Loans and Lines of Credit do not require collateral, whereas Asset-Based Lending does.

  • What can I use a Term Loan for?

    Term Loans are ideal for specific needs like expansion, equipment purchases, or working capital, with fixed repayment terms to fit your budget.

  • How does a Line of Credit work?

    A Line of Credit gives you access to funds up to an approved limit, which you can draw from as needed. Pay interest only on what you use, and replenish the line as you repay.

  • What is Asset-Based Lending?

    Asset-Based Lending uses your asset(s) as collateral for funding. It’s great for borrowers with valuable, equity-worthy assets but limited cash flow, offering quick access to capital.

  • What is Equipment Financing?

    Equipment Financing helps your business acquire or upgrade essential tools, vehicles, or technology without large upfront costs. The equipment itself typically secures the loan, making approval fast and straightforward.

  • What types of equipment can be financed?

    Virtually any business-critical equipment—from manufacturing and restaurant machinery to POS systems and vehicles—can be financed through our program. If it helps your business operate or grow, we can help you fund it.

  • Can I apply if my credit score is low?

    Yes! We prioritize your business performance and revenue flow over personal credit scores, making our lending more accessible than traditional banks.

  • What if I already have loans from another lender?

    After a full review, we will either refinance or consolidate your existing debt; alternatively, we can fund fresh capital and leave the current debt untouched.

  • Is there a prepayment penalty?

    No—our no-contract approach means you can repay early without penalties, giving you full flexibility to manage your finances.

  • How do I apply for lending?

    Apply online through our simple form or contact us for a free consultation. We’ll guide you through the process and provide a custom quote within 1 day.

  • What kind of support do you offer after funding?

    Our white-glove service includes ongoing assistance, from payment management to growth advice. We’re your partner, not just a lender, with no commitments required.