Merchant Capital

Merchant Capital

Merchant Capital, the operating identity of Merchant Solutions Group, is a United States-based direct lender focused on small to medium-sized business financing. The firm was established to serve the sub-bank-grade credit market. It provides working capital to business owners who have been turned away by conventional banks, requiring a minimum of three months in business and $5,000 in monthly revenue to apply. The firm's primary strategy is merchant cash advances structured against future credit card receivables. It deploys capital across a broad cross-section of Main Street industries including restaurants, bars, hotels, automotive shops, salons, day spas, medical practices, veterinary clinics, and franchises. Deal sizes are calibrated to monthly revenue, with the firm originating advances across the full capital stack—from first to sixth position—for uses such as equipment purchases, renovations, expansion, inventory, and tax obligations. The firm states it is fully compatible with the PaymentSphere processing network. Merchant Capital's operational footprint is confined to the United States. The firm has not publicly disclosed its total deployment, AUM, or team size. Its funding process is automated through an online application portal, with same-day approval decisions and funding typically completed in three days. No adjacent vehicles—such as venture arms, real estate platforms, or philanthropic foundations—are known. Merchant Capital's structural distinction lies in its position within the alternative small-business finance ecosystem—operating a direct origination model that funds high-risk, short-duration cash flow credits that mainstream banks, credit unions, and asset-backed lenders structurally or regulatorily avoid.