Ideal For Business.

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, the Merchant Cash Advance program allows us to convert your future credit card and or receivables into the immediate capital you need. Whether the funds are needed to expand, renovate, or simply reduce debt, access to capital can empower your business to thrive, and the Merchant Cash Advance Program can be the source of that success.


  Business receives a portion of their annual gross sales through credit card payments for good and services
  Revenue may be seasonal, cyclical or variable month to month
  Annual gross sales exceed $100,000
  Time in business is at least 6 months.
  There is no set maturity date or fixed daily payments. We get repaid as you get paid
Small fixed daily % of card sales withheld until the balance of the purchased receipts are satisfied

Remember A Business Cash Advance is not a loan; it is the purchase of future credit card receivables. Our business advance and merchant cash advances pricing is much lower than the vast majority of competitors’ and when clients are qualified, we are able to offer premium pricing. A business cash advance features a re-payment fluctuation based on your business and is the perfect solution if you don’t want to be tied to a set monthly payment. Business owners enjoy our merchant cash advance program because it is an insecure credit line, there is no set payment, it has no personal guarantee and it is not based on personal credit history, among other incredible benefits. When you choose Merchant Lending Consultants as your business advance and business cash advance proprietor, you will enjoy 24-hour approval, no upfront fees and funding within mere days, not weeks.

Merchant Lending Consultants is extremely proud of our 94.9% approval rate. In fact, our clients’ financing needs are addressed quickly, efficiently and with a human touch, regardless of their credit score. So, please do not hesitate to contact us about merchant cash advances; we offer customized programs for every size and type of business, no matter how stellar or poor their credit history is. Our easy 2-minute application is the perfect start to attaining the financing options your business is in need of. For more information about merchant cash advances or to fill out our 2-minute application, please click here.


  Non-asset-based (non ABL product)
  No switch in credit card processing required
  Same day pre-approval process
  Funding as fast as 24 hours after approval
  Higher approval rates than traditional banks




872 Jericho Turnpike
Saint James, NY 11780