Working Capital

Merchant Lending Consultants a Direct Lender and Syndicate partner has the solutions for business owners challenged with limited capital. We will provide access to working capital allowing you to

Merchant Cash Advance

The Merchant Cash Advance Program is ideal for businesses that might not want, or cannot qualify for a traditional loan. The funding amount you qualify for is based on the volume of your credit card or gross sales

Credit Repair

For some of our valued partners, we offer in-house credit repair services to help you understand your total credit picture. This provides options for a better tomorrow and will allow you to access capital at even better rates.


When ready to start our Express Review, you will be invited to tell us a little bit about you and your business. We only ask what we absolutely need to know to qualify your business as quickly as possible. Some questions include:

  When did you start your business?
  What industry are you in?
  How much revenue did the business generate last year?
  What are your average monthly deposits?

One of our consultants will contact you for more information. If you are a good fit for one of our loan products. In most cases we can review your application in a just a few hours while you are running your business.


Small business lending has been on the decline in the United States since 2007. Community Banks that once served this vital niche have been consolidated by big banks that no longer focus on the nuts and bolts of lending to small businesses. We understand that business owners across the country simply needed a better way to fund their business. Merchant lending Consultants was created to support growing businesses by providing credit when they need it and solutions that work-without the hassle. Our relationship will grow as your business grows.




872 Jericho Turnpike
Saint James, NY 11780