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Quick. Easy. Convenient.

We make small business financing as it should be…

Get up to $250,000 to grow your business as quickly as one business day.
Plenty of flexible options. Little or no paperwork. No delays or hassles.

SIGN UP FREE

See your funding options. Free sign up. No obligation.
By signing up, you are indicating that you have read and agree to the Terms of Use.

Why should it be so difficult to get the cash you need to grow your small business?

Get funding

At 1ST Merchant Funding, we’ve put an end to the hassles and delays you find at many banks – making financing your small business quick and easy.

Just sign up and provide some basic information. In just 8 minutes, you can review your funding options and often get the cash you need the next business day.

You’re not just a credit score. You’re running a business.

Worried about your personal credit score? Relax. It’s not an issue.

Unlike banks, we use secure, advanced, and automated technology to review your actual business accounts in real time – not your personal credit score. That’s how we can approve many businesses for financing in just a few minutes.

So don’t let a lower-than-average credit score stand in the way of getting the cash you need to fund your business now.

Get funding

How it Works

We make it easy for small businesses to quickly get funding.

Get funding

1. Sign up online now.

Through secure automated technology, we ask some basic questions and instantly review your actual real-time business account information to show you a choice of customized funding options in as little as 8 minutes.

Get funding

2. Review your funding options.

Our advanced web-based technology clearly shows you how much cash you can access and at what terms that best meet your needs.

Get funding

3. Decide how much cash you need.

Those funds can be deposited in your bank account as quickly as one business day.

Get funding

4. Convenient terms.

Your bank account will automatically be debited for repayment, in some cases a fixed amount, or in other cases based on your daily revenues or credit card receipts.

Get funding

5. Plenty of flexibility.

As more funds become available, or your business needs change, log in and get more cash anytime.

Sign up now

Just provide some basic information about your business. In just a few minutes we’ll show you a wide range of flexible and customized options to get the cash you need to grow your business. There’s no cost or obligation.

See your funding options.
Free sign up. No obligation.

By signing up, you are indicating that you have read and agree to the Terms of Use.

Flexible Funding Options

Sign up and provide some basic information about your business. In just a few minutes, you’ll see a choice of funding options based on two customized solutions to get the cash you need to help your business grow and thrive.

Get funding

Merchant Cash Advance
$5,000 to $250,000

Get a cash advance at competitive terms and fees.

Get funding

Short-term Business Loan
$5,000 to $250,000

A loan with predictable monthly payments.

For advances on credit card receipts:

  • Daily repayments fluctuate based on a percentage of daily credit card receipts
  • Payments automatically deducted daily from your account
  • Fixed holdback percentage generally between 6% to 35%
  • Quick decision in as little as same business day
  • Cash advances deposited into your account as quickly as two business days

For advances on bank revenues:

  • Predictable daily payments set up based on your average daily revenues
  • Payments automatically deducted daily from your account
  • Quick decisions – up to $35,000 can be approved immediately
  • Cash advances deposited into your account as quickly as one business day

Get up to $250,000 cash funding to:

  • Add more working capital
  • Buy inventory
  • Acquire new equipment
  • Meet seasonal needs
  • Expand operations
  • Hire more staff
  • Add new locations
  • Meet almost any other need
Get funding
Get funding

We fund small businesses including:

  • Restaurants
  • Retailers
  • Service providers
  • Contractors
  • E-commerce businesses
  • Mail order companies
  • And many more…

Why 1st Merchant Funding

A TRUSTED RESOURCE

Rated A+ by the Better Business Bureau

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EXPERIENCE & EXPERTISE

10,000+ businesses funded since 2009.

More than $300 million in financing provided.

INDUSTRY LEADERSHIP

First company in our industry to rank on the Inc. 500 list

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What our clients say

It’s quick, secure and very easy to set up payments

business_mccoypizza

“A very simple and quick process from application to funding. 1st Merchant staff have been very helpful and made the process easy. After shopping around, 1st Merchant did not have all those extra fees.”

Travis McCoy, Owner
McCoy Pizza
Kokomo, Indiana

business_multistone

“A very simple and quick process from application to funding. 1st Merchant staff have been very helpful and made the process easy. After shopping around, 1st Merchant did not have all those extra fees.”

Somchai Cook
Tee Luck Lounge
Mary Esther, Florida

business_appalachia

“You took a chance on us and gave us business capital the same day! You don’t make it complex and are very responsive – demonstrating qualities that are similar to the way I like to conduct my business.”

Stephanie Bowling, Owner
Appalachia General Contracting
St. Albans, West Virginia

Use Case: Falafel Salam

Discover how a 1ST Merchant Funding cash advance helped Falafel Salam grow their business with a $10,000 cash injection!

Read more

Give us a call to get started

It’s quick, secure and very easy to set up payments