Merchants Cash Partners
Lines of Credit,
Small Business Loans & More!
Fast. Flexible. Transparent.
Secure up to $2MM with a business line of credit, same-day approval, no collateral, and interest only on what you use.
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trusted accreditation & reviews:
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 Line of Credit & Capital Solutions
Offering revolving business lines of credit up to $2MM, working capital loans, and equipment financing, direct funding, same-day approval, and no hidden 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 Access Your Business Line of Credit?
Who's This Perfect For
Our business line of credit delivers up to $2MM in flexible funding, revolving credit, working capital loans, and equipment financing, exactly when you need it.
Small Business Owners
Retail & E-Commerce Merchants
Contractors & Trades
Startups & Entrepreneurs
High-Risk & Bad-Credit Businesses
Eligibility Criteria
Find out if your business qualifies for a revolving business line of credit up to $2MM, working capital loans, or equipment financing, no collateral required and fast approval:
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 business lines of credit, working capital loans, and small business loans at scale for U.S. businesses.
2MM+
Advances & Credit Lines Funded
Revolving credit, term loans, and cash advances delivered to hundreds of thousands of U.S. businesses.
10+
Years of Expertise
A decade of direct small business loan and revenue-based financing experience.
24–48
Hour Funding
Rapid approval and access, draw on your credit line or receive loan funds within 24–48 hours.
Success Stories: Lines of Credit & Working Capital Loans
Discover how U.S. businesses leveraged a revolving business line of credit and working capital loans to manage cash flow, finance inventory, and scale operations, enjoying same-day approval, flexible draws, and transparent terms.
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 is a business line of credit?
A business line of credit is a revolving credit facility that lets you draw, repay, and redraw funds up to your approved limit, ideal for working capital loans, seasonal cash-flow needs, or sudden expenses.
How much can I borrow with a line of credit?
You can qualify for up to $2MM in revolving credit, depending on your annual revenue and credit profile, making it one of the most flexible small business funding options.
How does interest work on a line of credit?
Interest accrues only on the amount you draw, not your full credit limit, so you optimize cost efficiency on your working capital loans and emergency business funding.
How fast is approval and funding?
Most applications receive an instant approval decision, and funds are available to draw on your credit line or deposited within 24–48 hours, rivaling same-day business loans.
Do I need collateral or perfect credit?
No collateral is required for our unsecured business line of credit. We evaluate revenue history ($250K+ annually) and time in business, and we offer bad-credit business loan options for qualifying companies.
READY FOR ON-DEMAND FUNDING?
Secure Your Business Line of Credit Today
Apply now for a business line of credit, working capital loans, or equipment financing, access up to $2MM with same-day approval, no collateral, and interest only on what you use.
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