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Welcome to Merchant Capital Source. Learn what 1,000’s of other businesses already know: You can use the power of your business sales and cash flow to access cash in as little as 3 days. We provide you the full menu of finance solutions from business loans to merchant cash advances—whatever is best suited for your business needs.

The Merchant Cash Advance Solution

If you have a history of credit card acceptance, then a Merchant Cash Advance may be just what you need. Your history of credit card volume is used to determine the amount of funds that can be advanced. A Merchant Cash Advance requires a minimal operating history and the lowest possible credit requirements. Your payments fluctuate, and are dependent upon the amount of your future credit card sales. The amount that you pay is either collected directly through the daily deposits of your merchant processing account or collected by daily ACH debit to your bank account.

The Small Business Loan Solution

This solution is ideal for the stronger credit profile, and business with strong consistent cash flow that desires a fixed payment structure. Additionally, the funding amount is not limited by your credit card processing volume. If you have at least 9 months operating history in your business, and wish to obtain financing at a lower cost than what you would pay with a Merchant Cash Advance, then let us quote you a Small Business Loan. Funding time is still about 3 days after submission of your complete application package!

Compare the best solution for your business:

  Cash Advance Small Business Loan
Minimum history of card acceptance 6 months Not required
Minimum monthly card volume $4,000.00 Not required
Minimum time in business 6 months 9 months
Minimum Average Bank Balance none $250
Term of Financing 5-9 months 6-14 months
Minimum FICO score 500 575
Range of financing available $5,000 – $300,000 $5,000 – $500,000