Merchants Cash Partners
Merchant Cash Advances,
Business Loans & More!
Fast. Flexible. Transparent.
Secure up to $2MM in fast business funding with same-day approval. Enjoy flexible repayment, zero collateral, and a fully online process.
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trusted accreditation & reviews:
Who We Are
Merchants Cash Partners (MCP) is a New York–based direct funder with over 10 years’ expertise, empowering U.S. small and mid-sized businesses with fast merchant cash advances and working capital loans. No brokers, hidden fees, or collateral required.
Small Business Loans
Merchant Cash Advances
Business Lines of Credit
Working Capital Loans
Equipment Financing
Our Funding Solutions
Empowering U.S. small and mid-sized businesses with fast, flexible, transparent capital, directly from MCP, no brokers or hidden fees.
Merchant Cash Advances
Direct funding up to $2MM with same-day merchant cash advance approval, repaid via daily card sales, no collateral, zero hidden fees.
Small Business Loans
Unsecured small business loans up to $2MM, fast business funding for payroll, inventory, or expansion. Transparent rates, funds in 24–48 hours.
Working Capital Loans
Short-term working capital loans (aka quick business loans) to bridge cash-flow gaps and cover seasonal peaks. Flexible repayment tied to your sales.
Business Line of Credit
Revolving credit line you draw, repay, and redraw, pay interest only on what you use for ultimate funding flexibility.
Equipment Financing
Tailored asset lending for machinery and equipment, lease or purchase with fixed payments, transparent terms, and direct underwriting.
Invoice Factoring
Convert outstanding invoices into immediate cash with our A/R financing. Direct funder, upfront fees, and rapid funding turnaround.
Ready To Accelerate Your Working Capital?
Who's This Perfect For
Our merchant cash advances, small business loans, working capital loans, and business lines of credit deliver fast business funding to:
Small Business Owners
Retail & E-Commerce Merchants
Contractors & Trades
Startups & Entrepreneurs
High-Risk & Bad-Credit Businesses
Eligibility Criteria
Determine if your business qualifies for Merchant Cash Advances, Small Business Loans, or Working Capital Loans:
U.S.-Based Businesses
2–50 employees in retail, construction, trucking, restaurants, healthcare, or e-commerce.
Minimum Time in Business
At least 6 months of operating history for quick business loans and cash advance funding.
Revenue Requirements
$250K–$10M annual revenue for small business loans and working capital loans.
Sales Threshold
$5K+ in monthly card sales to qualify for merchant cash advance funding.
Unsecured & Bad-Credit Options
No collateral required, unsecured business loans and bad credit business loan solutions available.
Committed to Helping Our Clients Succeed
Powering U.S. small business loans, merchant cash advances, and working capital loans at scale.
2MM+
Advances Funded
Trusted merchant cash advance and working capital loans delivered to over half a million U.S. businesses.
10+
Years of Expertise
A decade of direct small business loan and revenue-based financing experience.
24–48
Hour Funding
Rapid approval and disbursement, get your business funding within 24–48 hours.
Success Stories: Merchant Cash Advances & Working Capital Loans
See how U.S. small and mid-sized businesses tapped into fast business funding, using our merchant cash advance, working capital loan, and business line of credit solutions, to smooth cash flow, cover seasonal inventory and seize growth opportunities. Their real-world experiences demonstrate the power of same-day approval, flexible repayment tied to daily sales, and transparent terms.
Jennifer McMahan
I’ve worked with Nathan Bresten for almost three years and he’s consistently gone above and beyond—available any hour, truly listening to our financing needs, and delivering expert, positive results. I’ll gladly turn to him for all future endeavours.
Anthony Frontera
This has to be one
Of the best companies I have worked with. Joe jones was fast and thorough and pleasure to talk too, I talked to him in the morning and had my funds available by end of the day, rates were great and customer service top notch. Highly recommended, thanks Joel
Frequently Asked Questions (FAQs)
What qualifies me for a merchant cash advance?
You need at least six months of operating revenue and $5K+/month in card-based sales, no collateral or business plan required.
How fast will I receive my funds?
Most approvals happen same-day, you’ll see money in your bank within 24–48 hours of signing.
Can I repay early?
Yes, there are no prepayment penalties, and early repayment reduces your total cost.
How transparent are your fees?
All fees are disclosed upfront in our offer letter. You’ll see exactly what you owe and when.
Is there ongoing support after funding?
Absolutely. Our dedicated U.S. support team is available by phone and email to answer questions and guide you through each repayment cycle.
READY TO GROW YOUR BUSINESS?
Get Funded with Merchant Cash Advances & Loans
Apply now for merchant cash advance, small business loans, or working capital loans. Access up to $2MM in fast business funding. No collateral, transparent fees, and same-day approval.
© 2025 Merchants Cash Partners