MercFinancial — Commercial Funding & Business Loans Nationwide

Business, real estate and oil & gas financing through 160+ wholesale lenders, nationwide. Pre-approve in minutes with Stephanie, our AI assistant.

MercFinancial is a commercial funding brokerage headquartered in Houston, Texas, serving businesses nationwide. We place business funding, real estate investor financing and oil & gas capital with a lender network built for deals banks decline: SBA 7(a) and 504, working capital, lines of credit, equipment finance, factoring, DSCR and fix & flip, bridge and construction, and reserve-based energy lending.

Latest guides

Vocational and Training Center Financing: Equipment, Facilities and Enrollment Cash Flow — Training center financing combines equipment loans or leases for trucks, simulators and shop equipment, SBA or bank loans for the facility, and working capital for the lag between enrolling a cohort and being paid for it.
Private School and Tutoring Business Loans: Financing Tuition-Based Education Businesses — Tutoring business loans and private school financing come from SBA 7(a) lenders, banks, equipment lenders, franchise lenders and private working capital. What lenders weigh in enrollment, prepaid tuition and the summer.
Childcare Center Real Estate and Buildout Financing: Owning Your Building — Childcare center financing for a building of your own comes from SBA 504 and 7(a) lenders, banks and private real estate lenders. The structures, the conversion questions, and the illustrative math of owning against leasing.
Daycare Business Loans: Opening, Licensing and Expanding a Childcare Center — Daycare business loans are available from SBA 7(a) lenders, banks, equipment lenders and private working-capital sources. What lenders weigh in a childcare file, from licensed capacity and ratios to the enrollment ramp.
Agribusiness Equipment and Expansion Financing: Tractors, Irrigation and Processing Lines — Farm equipment financing is the most available capital in agriculture, because the machine secures the loan. Dealer programs, independent lenders, agricultural banks and lessors, with payments timed to harvest.
Farm and Ranch Loans: Operating Lines, Equipment and Land Financing — Farm loans are usually three structures at once: an annual operating line for inputs, equipment loans or leases, and long-term land and facility financing. Who writes each one, what they weigh and what to bring.
Purchase Order Financing for Distributors: Funding Large Orders Before Delivery — Purchase order financing pays your supplier for the goods a confirmed order requires, so a distributor can fill an order larger than its cash or line allows. Who qualifies, the hand-off to factoring at delivery, and what it costs.
Wholesale and Distribution Business Loans: Inventory, Receivables and Warehouse Financing — Wholesale business loans are written against the two things a distributor has in quantity: receivables from business customers and inventory on the floor. Asset-based lines, factoring, PO financing, SBA and equipment loans.
Machine Shop and CNC Equipment Financing: Leases, Loans and Section 179 — CNC machine financing is one of the most routinely written loans in commercial lending because the machine is the collateral. Loan versus lease, who writes it, down payments, soft costs and the payback math a lender applies.
Manufacturing Business Loans: Equipment, Working Capital and Expansion Financing — Manufacturing business loans are among the easiest commercial loans to place because the collateral is real: machines, receivables, inventory and often a building. Which structure fits each purpose, and what lenders weigh.
Government Contract Factoring and Lines of Credit: Getting Paid Before the Agency Pays — Government contract factoring turns an approved agency invoice into cash within days, with the balance paid when the agency pays. How the assignment works, prime versus subcontractor, and when a line of credit takes over.
Government Contractor Financing: Mobilization, Payroll and Receivables Funding — A contract award is not cash. Government contractor financing covers the weeks between mobilization and the agency's first payment through payroll funding, receivables financing, contract-backed lines of credit and SBA loans.
Architecture Firm Financing: Lines of Credit, Receivables and Partner Buyouts — Architecture firm financing follows the shape of phase-based billing: lines of credit and receivables financing carry payroll and consultants between phases, and SBA 7(a) or term loans fund a partner buyout or succession.
Engineering Firm Business Loans: Funding Payroll, Equipment and Project Cash Flow — Engineering firm business loans are written on receivables, work in progress and backlog: lines of credit for payroll ahead of client payment, equipment loans for field gear, and SBA 7(a) for acquisitions and partner buyouts.
Software Company Financing Without Venture Capital: Recurring Revenue Loans and Lines — SaaS business loans exist for software companies with recurring revenue: recurring-revenue loans and lines, bank loans for profitable companies, and revenue-based financing. Lenders weigh retention, churn, margin and runway.
IT Services and MSP Business Loans: Financing Recurring-Revenue Technology Companies — MSP business loans are written on monthly recurring revenue: lines of credit for payroll and distributor payables, term loans for tooling and hires, hardware financing for client deployments, and SBA 7(a) to buy another MSP.
Agency Cash Flow: Factoring, Lines of Credit and Financing Media Spend for Clients — Advertising agency financing solves one problem: media and vendors are paid before enterprise clients pay on net-60 or net-90. Invoice factoring, receivables lines and media financing each carry that gap differently.
Marketing Agency Business Loans: Funding Payroll, Media Spend and Growth — Marketing agency business loans are widely available: lines of credit, unsecured term loans, receivables financing and SBA 7(a) for acquisitions. Lenders underwrite retainers, concentration and margin, not collateral.
Property Management Company Financing: Working Capital, Software and Acquisitions — Property management company loans are underwritten on recurring management fees, doors under management and trust accounting discipline. Lines, term loans and SBA 7(a) fund software, staff and portfolio acquisitions.
Real Estate Brokerage Business Loans: Funding Commission-Based Cash Flow and Growth — Real estate brokerage business loans are written on company dollar, agent production and the pending pipeline rather than on collateral. Lines of credit, term loans and SBA 7(a) fund recruiting, offices and acquisitions.

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