Merchant Funding

Fast Capital for Business Growth

Keep Your Business Moving

Quick, Flexible Financing to Keep Your Business Moving

Running a small business comes with unexpected challenges, and securing traditional loans isn’t always easy. Our merchant funding solutions provide fast, hassle-free access to capital, helping businesses cover expenses, expand operations, and invest in future growth.

  • No collateral required – Secure funding based on daily sales
  • Quick approvals – Get funded in as little as 24 hours
  • Flexible repayment – Pay as you earn with no fixed monthly payments

The Process

Simple Application

Our simple 15 second online application can get you matched with offers in minutes.

No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.

Larger Amounts

Get matched with the best financing options with the highest funding amount.

Same Day Funding

Our Fintech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

Merchant Financing – A Smart Alternative to Traditional Loans

Traditional bank loans can be slow and restrictive, making it difficult for small businesses to access working capital. Our merchant financing solutions are tailored for small companies, retail stores, restaurants, and service-based businesses that need quick and easy funding.

With a merchant cash advance, you can:

  • Get funding without the long approval process of a traditional loan
  • Access capital based on your credit card sales, not your credit score
  • Use funds for inventory, marketing, payroll, equipment, or any business expense
  • Enjoy a stress-free repayment process that adjusts with your revenue
  • Avoid hidden fees or rigid loan structures that limit financial flexibility

Unlike small company loans, our merchant financing provides businesses with the flexibility to grow without long-term debt obligations. If your business processes credit card transactions, you already qualify for funding!

Merchant Financing
Company Loans

Fast & Flexible Small Company Loans Alternative

Many small businesses struggle to secure funding through traditional banks. Small company loans often come with high rejection rates, extensive paperwork, and lengthy processing times. Our merchant funding alternative ensures businesses get the capital they need—without the hassle.

Why Choose Merchant Funding Over Traditional Loans?
  • Funding in as little as 24-48 hours
  • No fixed monthly payments – Pay based on sales revenue
  • No personal collateral or extensive credit checks required
  • Approval rates higher than standard small business loans
  • Freedom to use funds however you see fit – No restrictions

We understand that cash flow is the lifeblood of small businesses. Our merchant cash advance solutions allow you to secure the funds you need—quickly and efficiently—so you can focus on growing your business.

QUESTIONS

Have Questions? Let’s Talk!

Which financing option is right for you? Our experts are here to help. Let’s discuss your business needs and find the perfect business line of credit lenders that work for you.

Find Out More

If your business needs cash now, contact Starting Gate Financial to speak with a financial advisor. We would love to show you how we can help your business grow.

What Do You Need To Qualify?

3+ Months in Business

You can qualify for our top financing options with as little as 3+months in business.

$5,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $5,000 per month, or $60,000 in annual gross sales.

No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

Testimonials

Our Clients Reviews

Discover the Success Stories of Clients Empowered by Our Financial Solutions

5.0
Based on 9 reviews
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uwade alade
01:36 25 Jan 25
Syed Raza at Stargate Financial provided exceptional service in helping me secure a six-figure SBA loan. His professionalism, expertise, and efficient communication made the entire process smooth and stress-free. Syed worked quickly to ensure everything was completed on time, exceeding my expectations. I highly recommend him to anyone in need of reliable and knowledgeable loan assistance. Thank you, Syed, for your outstanding support!
Hyder Syed
03:55 21 Aug 22
Highly Recommended ⭐⭐⭐⭐⭐ !!Professional , Honest , & Excellent Customer Service w/ Ethics.
Khalid karfis
23:25 22 Apr 22
Best finance company for small business 👌
Andrew Alegnani
21:10 21 Apr 22
Syed and Starting Gate Financial are absolutely excellent! Syed is SO knowledgeable, kind and truly looks out for your best interest; and won’t rest until he makes sure he has secured the paper funding to fit your needs, not to mention that you understand everything and answers all your questions. He is also there every step of the way, and after the fact does not disappear. Keep up the excellent work!!!
Scott Mathison
21:07 21 Apr 22
They are so comprehensive and yet even if you are a new business or startup they treat you like that is their only function! They call back so much quicker than any financial service company I have ever even heard of. They take time to get to know exactly what your business needs and come up with exactly what they need.
Philip Laskaris
21:06 21 Apr 22
Syed is very knowledgeable and helpful. He truly know his industry and looks for the best options for his clients.
Travis Book
21:04 21 Apr 22
Syed is extremely helpful and honest. Always does his best to help myself and my clients.

Frequently Asked Questions (FAQs)

Merchant funding is a financing solution that provides businesses with fast access to capital based on their daily credit card sales, offering an alternative to traditional loans.

Unlike small company loans, which have fixed repayment terms and interest rates, merchant financing allows businesses to repay based on daily sales, offering more flexibility and easier qualification.

Businesses that process credit card transactions, such as retail stores, restaurants, eCommerce businesses, and service providers, typically qualify for merchant cash advances.

Our merchant financing solutions provide funding in as little as 24-48 hours, ensuring businesses get the cash they need without delays.

You can apply online through our simple application process or schedule a call with our funding specialists for personalized assistance.

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