How much can I borrow?
The minimum is $5000. We typically lend an amount up to one and a half times 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 withholding them from your daily Visa/Mastercard settlements.

How much of my credit card sales will you 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 transfer my merchant account?
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 meet or beat your existing processing rates.

Does it cost anything to apply?
No. However, if your loan is approved, we will deduct a small 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 repaid over a one-year term.

How much credit card and debit card sales do I need to have?
Your average monthly Visa/Mastercard sales volume 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.