Business Funding Solutions: Working Capital, SBA, Equipment and Lines of Credit

Eight business funding programs placed with more than 160 wholesale lenders, from a soft-pull pre-approval in minutes to funding in as little as ten to fourteen days.

The eight programs

Each program is a different set of lenders with a different credit box; the work is matching your file to the right one.

Business lines of credit: revolving capital for recurring cash-flow needs
Working capital loans: short and medium-term funds for growth, inventory and seasonal swings
SBA 7(a) and 504 loans: long terms and low rates for acquisitions, real estate and working capital
Equipment financing and leasing: trucks, machinery and specialized equipment, new or used
Commercial real estate loans: owner-occupied purchases and refinances
Business expansion and acquisition financing
Invoice financing and factoring: cash now against 30 to 90 day receivables
Purchase order financing: fund the inventory to fill a large order before you invoice

How it works

Pre-approve in two to three minutes with Stephanie, our AI lending assistant, with a soft credit pull. We package one file and send it to the lenders whose credit box you actually fit, not to every lender in the book. You compare real term sheets side by side on rate, term and total cost of capital, and close with the one that fits. We are paid on closed loans that perform, so our interest is a loan that works for you a year from now.

MercFinancial is a commercial funding brokerage, not a lender. Approval, loan amount, rate, term and funding are decided by the funding source on the strength of the file; nothing on this page is an offer or a commitment to lend.

Financing programs

Houston Business Funding — Working capital, lines of credit, equipment and C&I loans for Houston businesses.
Unsecured Business Loans — Term loans and lines without specific collateral, for businesses with steady deposits.

Frequently asked questions

What does it cost to use MercFinancial?

Pre-approval is free and a soft pull. Our compensation is paid by the lender at closing or disclosed in the term sheet, and is earned only when a loan closes.

Which business funding option is cheapest?

Usually a bank loan or an SBA loan, when you qualify and can wait. Lines of credit and equipment financing are next. Revenue-based financing and factoring cost more per dollar but fund faster and on different criteria. We show you the whole range for your file.

Can I get business funding if my bank declined me?

Usually, yes. A bank decline is most often a fit problem: the wrong product, too little time in business, or statements the bank reads differently than a non-bank lender does. Our playbook guide walks through what to do next.

How long does funding take?

Lines and working capital loans often fund within days of approval; equipment and factoring in one to two weeks; SBA loans in six to twelve weeks. Timelines by product are in our guide.

Guides on this topic

Working Capital for Small Businesses: Know Your Options — A practical breakdown of business lines of credit, short-term loans, invoice factoring, and revenue-based financing, matched to the cash-flow gap each one solves.
Line of Credit or Term Loan: Which Does Your Business Need? — A business line of credit and a term loan solve different problems: recurring cash-flow gaps versus one-time investments. Here's the five-question test to decide.
SBA 7(a) vs SBA 504: Choosing the Right Loan in Practice — SBA 7(a) and SBA 504 loans fund different things: 7(a) is flexible working capital and acquisitions, 504 is fixed assets with a two-loan structure.
How Equipment Financing Works With Section 179 — Financing equipment doesn't disqualify it from Section 179. See how loan and lease structures interact with the deduction, and what to ask your CPA before you buy.
Declined by Your Bank? A Step-by-Step Funding Playbook — Bank denied your business loan application? Here's the exact four-step playbook: get the real reason, fix your file, and get funded elsewhere fast.
Business Funding Timelines: How Long Each Product Takes — Real funding timelines by product, from 24-hour cash advances to 6-12 week SBA loans, plus what actually speeds up or slows down approval times.