Merchants Cash Partners
Small Business Loans,
Merchant Cash Advances & More!
Fast. Flexible. Transparent.
Secure up to $2MM in fixed-rate business term loans with same-day approval. Enjoy predictable payments, no collateral, and a fully online application.
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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 Business Term Loan Solutions
Access fixed-rate business term loans up to $2MM for expansion, equipment financing, or refinance. Same-day approval, no collateral, and transparent 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 Secure Your Business Term Loan?
Who's This Perfect For
Perfect for small business owners seeking fixed-rate, long-term financing up to $2MM for expansion, equipment, or refinance.
Small Business Owners
Retail & E-Commerce Merchants
Contractors & Trades
Startups & Entrepreneurs
High-Risk & Bad-Credit Businesses
Eligibility Criteria
Determine if your business qualifies for fixed-rate business term loans, working capital loans, or a revolving line of credit:
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 fixed-rate term loans, small business loans, and lines of credit at scale across the United States.
2MM+
Term Loans Funded
Fast approval and funding for fixed-rate term loans up to $2MM, joining over 500K U.S. businesses we’ve served with merchant cash advances and working capital loans.
10+
Years of Expertise
A decade of direct small business loan and revenue-based financing experience.
24–48
Hour Funding
Receive your business term loan or working capital loan within 24–48 hours.
Success Stories: Business Term Loans & Equipment Financing
Discover how U.S. businesses tapped into fixed-rate term loans, equipment financing, and small business loans to expand operations, manage cash flow, and seize growth opportunities, with same-day approval and predictable payments
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 are business term loans?
Business term loans are fixed-rate, long-term loans with set repayment schedules (typically 1–5 years). They’re designed for expansion, equipment financing, or debt refinance, providing predictable monthly payments without surprises.
How much can I borrow with a term loan?
You can access up to $2MM in business term loans, depending on your annual revenue and credit profile.
What can I use a term loan for?
Use term loan funds for equipment financing (machinery, vehicles, POS systems), facility expansion, working capital needs, or a business line of credit alternative that locks in fixed payments.
Do I need collateral or perfect credit to qualify?
No collateral is required for our unsecured business term loans. We consider factors like revenue history ($250K+ annually) and operating tenure (6+ months) rather than relying solely on credit scores.
How fast is approval and funding?
Our term loan applications receive an instant decision, and funds are deposited within 24–48 hours, making our business lending among the fastest small business loans and working capital solutions available.
READY TO GROW YOUR BUSINESS?
Get Your Business Term Loan Today
Apply for fixed-rate business term loans, small business loans, or equipment financing, access up to $2MM with same-day approval, no collateral, and transparent fees.
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