Small Business Loans

Get fast and easy access to loans for your small business.

Small Business Loans to Meet All Your Needs

Whether you’re planning to expand your business or need fast funding to cover payroll, small business loans from Merchant Advanced provide business owners, like you, with flexible funding so you can operate your business hassle-free. You’ll find options tailored to meet your business needs with fast approvals.

Working Capital Loans

A working capital loan from Merchant Advanced helps you keep operations running smoothly. You can use the funds for expenses like inventory, accounts payable, day-to-day operating costs, advertising, and even payroll.

Short Term Business Loans

When you want to clear a debt fast to keep your business credit score high and not have to commit to payments for multiple years, our short-term small business loans come with 12- to 18-month terms so you can keep your ratios and revenue strong.

Equipment Financing Loans

When you need to buy or lease business-critical equipment, your small business loan gives you the flexibility to purchase what you need for your company. Whether it is a quick fix on broken machinery, upgrading to improve efficiency, or purchasing new assets to expand, this is the option to keep your business on track.

Why Choose Us

The Merchant Advanced Advantage

Merchant Advanced is committed to providing scalable and sustainable financing to help small businesses succeed. We offer a simple business loan application process, tailored lending solutions, and quick access to funds. That’s the Merchant Advanced Advantage.

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Fast, Easy Process

Simple application process allows for a funding decision and funding in as little as 24 hours.

Personalized Service

Your Funding Specialist will help you secure a small business lending solution for your business.

Testimonial

What Our Customers are Saying

Google Review

“With a hands-on, consultative approach to small business loans, Merchant Advanced helped secure the right amount of funding and made the process painless.”

Ways to Use Your Small Business Loan

Your small business loan from Merchant Advanced can be used how you need it. No two businesses are exactly alike, which is why our loans give you the flexibility to use the funds how YOU need to. Here are some of the ways you can use funding for your business:

Build Your Cash Flow

Have sufficient working capital to take care of the daily expenses of your business.

Expand Your Business

Open a new branch for your store or expand your warehouse facility.

Pay Bills & Consolidate Debt

Clear any outstanding payments to vendors and consolidate any existing debts.

Give A Short Term Boost To Your Business Finances

Resolve any short term monetary problems encountered by your business.

Buy or Lease Equipment

Purchase or rent tools, machines, or appliances that are essential for your business.

Market Your Business to Target Audience

Reach out to your ideal customers through brand awareness and sales funnel strategies.

How to Apply

Merchant Advanced values your time and understands you have a business to run. That’s why our application process is fast and simple. Let us summarize it for you in three easy steps:

Step 1

Fill out the simple application form.

Step 2

Discuss your business needs with our Funding Specialist to determine the right financing options for you.

Step 3

If your loan application is approved, you will receive the funds within 24 hours.1

Frequently Asked Questions

What is the minimum credit score for a business loan?

Your business credit score should be at least fair (50) to good (79) to get approved for a small business loan. Business credit scores are on a scale of 0-100 vs. a personal credit score which uses 100s. Personal credit scores should also be in the good (670) and higher range when you’re using personal guarantees as part of the application.

How much money can I borrow for a small business?

You can borrow up to $500,000 with a small business loan from Merchant Advanced.

Can you get a business loan online?

Yes, Merchant Advanced offers multiple small business loan options that can be applied for online. Make sure to include all supplemental information when using the online system, including financial statements, business plans, and other information to help the Funding Specialist understand your situation and your ability to make the payments on time.

How quickly can I receive funds after applying for a small business loan?

Once your loan is approved, the funding can be transferred to your account in as little as 24 hours or one business day1.

How much money can I borrow for a small business?

Enter your card number on the Merchant Advanced Ignite page and complete the simple online application.

We Offer Business Lending Solutions Spanning Multiple Industries

From equipment financing to working capital loans, we’ve helped business owners from many industries receive the business funding they need. You’ll receive expert support and answers to your business lending questions while working with a friendly Funding Specialist. Merchant Advanced is a trusted lending partner. You can rely on us to help finance your working capital and growth.