Whether you need working capital or want take advantage of business opportunities, learn how 1st Merchant Funding can help you succeed. If you want to speak with a live person please don’t hesitate to call us at 1-866-710-2265 M-F 9am – 6pm EST.
1ST Merchant Funding was founded in 2007 with one mission – make it quick and easy for small businesses to get funds to grow their business.
By providing a simple way to apply online in just a few minutes – and business funding in as little as one business day – we’ve helped thousands of small businesses access capital to grow and thrive.
We offer customized funding options from $5,000 to $250,000. Unlike traditional lenders and banks, we look at your real-time business data and not solely your personal credit score to make a funding decision.
When you apply online or by phone, we can usually provide an instant decision for requests up to $35,000. For higher amounts, less than one business day. We make the process fast and easy – no red tape or long waits.
Once approved, we can usually deposit funds into your bank account as quickly as one business day.
Our minimum personal credit score requirement is 500+. Unlike many banks and lenders, we review your business performance and revenues to approve your request, and not solely your personal credit score.
No. Only business collateral is required.
Use your funds for almost anything to grow your business! Add working capital, invest in new equipment, buy inventory, advertise, hire staff, open a new location, or meet virtually any other business need.
No. Apply free with no obligation.
We offer plenty of customized options. In some cases, repayment is flexible – based on a set percentage of your daily business revenues or credit card receipts, which can help you better manage cash flow. Other options allow for a fixed repayment schedule.
We serve retailers, service providers, mail order, e-commerce, restaurants, and many other businesses.
Absolutely. Call one of our dedicated in-house Customer Service Representatives at 1-866-710-2265. We’re available Monday through Friday from 9 am to 6 pm Eastern time.
Open for business 9+ months. At least $75,000+ in annual business revenue the past 12 months. 500+ Personal Credit Score.