Business Financing Menu 

A+ BBB rating, a 15 year history and millions of dollars already funded—MCS is a lender you can trust.

Unlike most of our competitors, Merchant Capital Source is a direct lender, NOT a broker. This means we can offer unmatched flexibility, rates and speed. Best of all, your personal information stays with us and your credit score is not affected. We provide a full menu of finance solutions from small business loans to merchant cash advances—whatever is best suited for your business needs.

Compare the best solution for your business:

Merchant Cash Advance

Small Business Loan

Minimum history of card acceptance

6 months

Not Required

Minimum monthly card volume


Not Required

Minimum time in business

6 Months

9 Months

Minimum Average Bank Balance



Term of Financing

5-12 months

6-14 months

Minimum FICO score



Range of financing available

$5,000 – $300,000

$5,000 – $500,000

Merchant Cash Advance

You can access funding from $5,000 to $300,000. Here’s how it works:

  • We purchase a set dollar amount of your business’s future credit/debit card sales at a discounted price in a lump sum cash funding.
  • We collect an agreed upon percentage of each future credit/debit transaction that you process. We can do this directly through your credit card processor, or we can ACH the amount from your bank.

Small Business Loans

With this solution, you can access funding $5,000 to $500,000. The steps to get funding are easy:

  • We review your application and your banking and credit card processing history (if applicable) and consult with you on the loan amount, payment, and funding structure
  • We collect a set daily payment amount from your bank account via ACH debit

What is best for you? 

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 prefer a fixed payment structure, then let us quote you a Small Business Loan. Funding time is still about 3 days after submission of your complete application package!


Ready to move forward?

Apply Now