How much can I borrow?
The minimum is $5000. We typically lend an amount up to twice the amount of your average monthly credit card and debit card sales.

Do I make regular payments?
Yes. But we make it easy for you by automatically withholding them from your daily Visa®/ MasterCard® settlements.

How much will my processor deduct?
It all depends on how much you borrow from us. We will give you the amount when you tell us how much you want to borrow.

Do I need to switch processors?
Yes. We use a nationally recognized credit card processor that supports all major POS terminal brands. We will help you through the simple process of transferring your merchant account and we guarantee to meet or beat your existing processing rates.

Does it cost anything to apply?
No. However, if your loan is approved, we will deduct a processing fee from the money that we loan to you. Other than interest, this is the only fee that we charge. Period.

How long does it take to get my money?
It takes about seven business days after we get your application.

How soon do I have to repay?
Typically, our loans are for a one-year term.

How much credit card and debit card volume do I need to have?
Your average monthly Visa®/MasterCard® sales should be at least $3000.

Who is Merchant Finance Company?
Merchant Finance Company is an established and licensed lender. Over nearly a decade, our team has made thousands of loans to small businesses.