1st Merchant Solutions

The process to secure business funding is simple.

Begin by submitting an application. We will reach out to you so that we can cater to your needs by tailoring programs based on industry type, business size, seasonality, and account liquidity.

1st Merchant Solutions has over 20 years of experience in the financial industry. We are focused on making sure that we are successful in obtaining the funding our clients need.

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Term Loans

Term loans provide a lump sum of capital that you repay over a set period with fixed payments. This means you’ll have consistent monthly payments, making it easier to manage your budget and cash flow. Approval is based on your business’s financial health and ability to repay, making term loans a dependable option for funding long-term projects or major expenses.

Lines of Credit

Business Lines of Credit give you flexible access to funds when you need them. Instead of receiving a lump sum, you can draw from your credit line as needed and only pay interest on the amount you use. This allows you to manage cash flow more effectively and cover short-term expenses without overextending your budget. Approval is based on your business’s financial health rather than just your credit score, making it an accessible option for businesses with fluctuating revenue.

MCA's

MCAs are different from traditional loans. Instead of fixed monthly payments, repayment is based on a percentage of your daily credit card sales. This means your payments adjust with your business’s cash flow, making it easier to manage during slower months. Approval is primarily based on your credit card sales history rather than your credit score, making MCAs an accessible option for businesses with inconsistent revenue or limited credit history.

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Explore competitive rates, flexible terms, and personalized solutions designed to fit your business goals.

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"A stress-free experience!"

"I have worked with other companies in the past and working with 1st Merchant Solutions was the first time I’ve felt completely taken care of, and like my interests were put first."