Working capital for businesses that can't wait on a bank.
Merrow Capital provides revenue-based funding to established small and mid-sized businesses across the U.S. Send three months of bank statements and a one-page application — we underwrite the file ourselves and give you a straight answer.
- Applications reviewed the same business day they're complete
- Approvals based on real cash flow, not just a credit score
- No cost to apply, and no obligation to accept an offer
Business-purpose financing only. A merchant cash advance is a purchase of future receivables, not a loan. All funding subject to underwriting.
Get a quick look
Takes about a minute. Our underwriting desk personally reviews every submission.
Ranges shown describe the products Merrow Capital offers. They are not an approval, an offer, or a guarantee of any specific amount, term, or timeline for your business.
Underwriting by people who read the statements
Most funding requests get killed by an automated score. We look at how the business actually runs — deposit consistency, seasonality, existing obligations — and we tell you where you stand either way.
Cash flow first
We underwrite off bank statements and revenue patterns. Past credit issues, tax liens, and prior advances do not automatically end the conversation.
Fast, and honest about it
Complete files get reviewed the same business day. If a deal isn't there, you hear that quickly instead of being strung along for a week.
Light documentation
A short application and three months of business bank statements is enough to get started. Larger requests may need a few additional items.
One point of contact
You work with the same underwriter from the first call through funding — not a rotating queue of reps reading from a script.
Terms in writing, up front
The amount, the payback, the fees, and the schedule are disclosed in the agreement before you sign anything. No surprises at closing.
Structures that fit revenue
Daily, weekly, or revenue-share remittance depending on how money actually moves through your business.
Four steps, start to funded
No portals to fight with and no application fee. Here's the whole thing.
Apply
One page of business and contact details. About three minutes.
Send statements
Your last three months of business bank statements as PDFs.
Review the offer
We walk you through the amount, term, and total cost line by line.
Sign and fund
Once contracts are signed and verification clears, funds are wired or sent by ACH.
Established, revenue-generating businesses
Every file is judged on its own merits, but most businesses we work with look something like this:
- At least 6 months in business under current ownership
- $15,000+ in average monthly deposits
- An active business checking account
- A U.S.-registered business entity, funding used for business purposes
These are general guidelines, not eligibility rules. Businesses outside them are still welcome to apply.
Industries we see most
- Construction & contracting
- Trucking & logistics
- Restaurants & food service
- Auto sales & service
- Home services
- Healthcare & medical
- Staffing & professional services
- Retail & e-commerce
- Manufacturing & wholesale
- Landscaping & facilities
Don't see yours? We review submissions from most industries. Ask us.
Straight answers
Is a merchant cash advance a loan?
No. A merchant cash advance is the purchase of a specified dollar amount of your business's future receivables at a discount. Because it isn't a loan, the difference between the amount advanced and the amount purchased is not interest, and it isn't expressed as an APR. The full purchased amount, the remittance schedule, and all fees are stated in the funding agreement before you sign.
Will applying affect my credit?
Submitting an application does not obligate you to anything and there is no fee. As part of underwriting we may pull business and personal credit reports, which you authorize on the application. We will tell you before any hard inquiry is made.
I already have an advance out. Can I still apply?
Often, yes. Existing positions are a factor in underwriting, not an automatic decline — we look at total obligations against real cash flow. Be upfront about what's outstanding; it makes the review faster and the offer more accurate.
How fast can we actually close?
Complete files are reviewed the same business day. From there, timing depends on how quickly verification items come back and contracts are signed. Many deals fund within one to two business days of approval; some take longer. We won't promise you a timeline we can't hold.
What does it cost to apply?
Nothing. There is no application fee and no obligation to accept an offer. Any fees associated with a funded transaction are disclosed in the agreement.
Do you fund startups?
Generally we look for at least six months of operating history and consistent deposits, because the product is underwritten against revenue. If you're newer than that, you're welcome to reach out — we'll tell you honestly whether it's worth submitting.
Ready to see what your business qualifies for?
Send a short application and three months of business bank statements. We will review the file and come back to you with a straight answer.