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The lender of choice for small-business

Trusted, fast and effective financing solutions since 2004.

We are a direct lender. This means you deal with us from beginning to end and there is no middle-man to cost you money.

Get Started

The lender of choice for small businesses

Trusted, fast and effective financing solutions since 2004.

Get Started

A+ Rating

from Better Business Bureau

5 Star Score

from Trustpilot

+12,000

loans & advances provided

70%

are repeat customers

Our products are designed for small businesses

Cash Advance

Instead of a traditional loan, we purchase a set dollar amount of your business’s future credit/debit card sales at a discount. Your business receives the financing in one lump sum…

Instead of a traditional loan, we purchase a set dollar amount of your business’s future credit/debit card sales at a discount. Your business receives the financing in one lump sum after we review and approve your application.

We collect the agreed upon percentage of all future credit/debit transaction that you process, so payment fluctuates with your sales.

Having a slow month with low sales? No worries! Your payment comes down too!

Learn More

Term Loan

If you prefer the predictability of fixed payments or do not accept credit or debit card payments from your customers, then a term loan may be the right solution for you.

Similar to a traditional bank loan, we review your application and your sales history and consult with you on the loan amount, payment, and funding structure.

You get a calendar with fixed payments on set dates so you can plan ahead!

Learn More

Fast and Simple Approval Process

01

Fill out an
application

One of our friendly reps will contact you to discuss your needs and request additional information.
02

We’ll quickly process your application

Once approved, your rep will discuss the financing alternatives that best fit your business’s needs.

03

Sign legal documents electronically

Quickly and securely sign all documentation online.
04

Receive the funds in your account!

You will receive the approved funds in your account within 48 hours!

How It Works

Get Approved

With some basic information from your business we estimate an approval amount

Receive Funds

Funds are wired directly to your bank account within 2-3 days.

Make Payments

A fixed payment is automatically debited from your business bank account.

Access More Funds

You don’t need to be fully repaid to access more funds. Plus, as an exiting customer the process is easier and faster!

What Our Customers Say About Us

Trustpilot
EXCELLENT Based on 400 reviews.
Danielle W
Danielle W
2020-08-20
Verified review
They were so nice and everything went so smoothly . They are helpful and efficient, and communication is awesome. Definitely recommend !!
Jerry D
Jerry D
2020-08-05
Verified review
Very helpful. Very straightforward and not overly complicated.
Felipe Ramos
Felipe Ramos
2020-08-01
Verified review
Extremely fast, very easy, professional and helpful staff Great job! Best Regards, Planet Plumbing
Abbott Road Animal Clinic
Abbott Road Animal Clinic
2020-07-24
Verified review
Merchant Capital Source is great to work with, simple application and streamlined very quickly. Customer service goes above and beyond for you and always very friendly. I would recommend any business to them!
Arthur W
Arthur W
2020-07-21
Verified review
MCS is a great company to work with any of financial business needs. I have used MCS six times for my business expansion. They are prompt, and professional. .Arthur W.
Earl S
Earl S
2020-07-16
Verified review
Jeffrey M
Jeffrey M
2020-07-13
Verified review
Bill ( Brothers Garage)
Bill ( Brothers Garage)
2020-07-13
Verified review
MCS IS A GREAT RESOURCE FOR THE SMALL AND LARGE BUSINESS OWNER. THEY MAKE IT EASY AND QUICK TO UTILIZE CAPITOL AND EASY PAYBACK OPTIONS. I HIGHLY RECOMMEND THEM AS A RESOURCE
Trina L
Trina L
2020-07-11
Verified review
This is the second loan I got they are fast and easy to work with. They are up front and don’t change things on you last minute like other lenders. There rates are reasonable compared to others.
Saowane T
Saowane T
2020-07-09
Verified review
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Qualify for up to $250,000
in just 24 hours

Contact us via phone or email. We’d love to chat. There’s no obligation, no pressure and no junk mail.

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Still not sure?
Want to know more before you proceed?

Call us at: (714) 969-7878

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  • 2120 Main Street, Suite 220
    Huntington Beach, CA 92648
  • Telephone: (866) 969-7878
  • Fax: (949) 209-2636
  • 2120 Main Street, Suite 220
    Huntington Beach, CA 92648
  • Telephone: (866) 969-7878
  • Fax: (949) 209-2636
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  • Terms and Conditions
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