Merchant Cash Advances

On Your Terms


Northern VA's Most Reliable Merchant Cash Solution

Merchant Solutions

for Your Company's Needs


When the banks say no, we say yes! Merchants will receive quick and easy service from start to finish. Merchant Capital Direct is a complete turnkey solution for every business owner. Merchant Capital Direct provides merchant cash advances, credit card processing, as well as gift and loyalty programs. Call now to learn how you can get cash today!

LEARN MORE
credit card machine

We Say Yes, So Your Business Can Grow


We understand that your need for cash is a reality of doing business. But unlike banks, the reason you need the cash is not our concern, nor is your personal credit history. Our primary concern is enabling you to access the value of your future Visa and MasterCard credit card sales in exchange for cash today!


At Merchant Capital Direct, you will receive a cash advance that fits your unique business needs. You’ll also find the professionalism, compassion, and experience that enable us to serve you in the way that you need it most. Please contact us directly to answer any questions you may have.

GET IN TOUCH

A Payment Schedule

Based on Business Success


We know that it takes money to make money, and we are here to provide you with the cash you need to expand your business. Our cash advance products do not require fixed payment schedules; instead, our collections are based on the success of your business.


A Merchant Cash Advance from Merchant Capital Direct gives you the ability to successfully manage your working capital, which is key to your overall success. Many businesses struggle to maintain enough working capital. Every Business experiences periods of limited cash flow and needs access to extra money to operate successfully. If your business has a need for capital, we are your solution!

CONTACT US

Established in 2008


We at Merchant Capital Direct strive to provide an incredible experience for each of our clients. We offer a direct relationship with ClearPay Processing and Merchant Capital Source. We enjoy working closely with each merchant and understanding their needs and how we can help increase profitability for everyone.

CONTACT US

Our Merchant Services

MERCHANT ACCOUNT
Accepting credit cards is crucial to your business. Credit card sales promote larger ticket sales, provide convenient payment to your customers, enhance your credibility, and help you stay competitive. We provide multiple payment processing solutions for internet, phone, and mail-order merchants. We offer a wide variety of terminals and equipment, and can also work with existing POS equipment.


DEBIT ACCEPTANCE
ATM and debit cards provide merchants with an additional means to accept non-cash payments from customers. Debit cards help your sales by stimulating impulse buys of large ticket items, making for larger ticket amounts. This payment method is especially valuable for customers who do not have credit cards and would otherwise have to pay by check or not purchase at all. ClearPay provides all the equipment you need.


INTERNET GATEWAYS AND VIRTUAL TERMINALS
We provide payment processing for internet, phone, and mail-order merchants, utilizing Authorize.net and Charge Anywhere. These sales solutions are intended for merchants that do not have a physical storefront; we include a secure, browser-based interface to authorize, process, and manage credit card transactions from any computer that has Internet access. We also link a shopping cart from your website to our gateway.

WIRELESS OPTIONS
Are you a general contractor or run your business on the go? ClearPay provides your business with many wireless options to accept payments wirelessly while still enabling you to benefit from low-cost, swiped card-present processing rates. We offer a wide range of solutions, including smart phone card readers and wireless terminals.


CASH ADVANCE
We can enable you to use the power of your existing credit card sales to get the cash you need today—without the hassle and frustration of applying for a small business loan. We offer merchant cash advance services to serve the needs of merchants, small businesses, and restaurants in ways that traditional business lenders, including banks, cannot.


PCI COMPLIANCE
The Payment Cardholder Industry Data Security Standard (PCI DSS) was created by Visa®, MasterCard®, American Express®, and the Discover® Network to protect cardholder information and reduce data theft. PCI DSS establishes and enforces security requirements for members, businesses, and service providers. PCI applies to everyone involved in credit card processing.

CHECK SERVICE
Merchant Capital Direct enables you to securely accept checks from your customers. Point of Sale Conversion enables merchants to process checks electronically, just like a credit card.


GIFT CARDS
Our Gift and Loyalty card packages serve as great tools for small to medium-sized businesses that are looking to attract new customers, retain existing ones, increase cash flow, minimize cashback, and generate store traffic. The set-up process is very simple, the packages are delivered to your office in a matter of days, and transaction processing is easier than ever.


POINT-OF-SALE EQUIPMENT
With over 100 different brands and equipment types, it is cumbersome for a merchant to determine what equipment suits their business best. Let one of our specialists point you in the right direction. Whether you accept checks, debit cards, gift cards, or any other value-added resource, we will ensure that you receive the right terminal or other equipment solution.

CALL FOR MORE INFORMATION

Merchant Cash Advances
For All of Your Business Needs


If you have operated your business for more than nine months and process over $5,000 per month in Visa or MasterCard, then you are eligible for our financing. Take advantage of the ability to unleash the growth potential of your business with additional working capital for:

About Our Founder Jim Harrington


With a proven, successful record as a young entrepreneur, Jim Harrington built a global financial services company from the ground up. His qualifications include expert knowledge of the financial industry since 1989, with a constant focus on client satisfaction and profitability.

 

The Lenders that MCD works with are the best in the industry. You can count on honesty and professionalism in every aspect of the commercial loan process when you choose us.

CONTACT US

How Merchant Capital Direct Works


We purchase a set dollar amount of your business’s future Visa or MasterCard sales at a discount, and in exchange, we pay your business cash today! Then, through an automated process, we seamlessly collect the agreed-upon amount by taking a small percentage from each Visa or MasterCard transaction. Basically, we get paid as you get paid!


MCD prides itself on its flexibility. MCD structures each merchant advance to fit the unique operating and revenue circumstances of every customer.


Our goal is to get working capital in the hands of your business quickly while structuring the holdback percentage to meet your business’s ongoing operating requirements. Our financing program has become an important alternative to traditional bank lending as a source for short-term funds.

CONTACT US NOW

Complete Our Loan Application

Complete Our Loan Application

Frequently Asked Questions

Do you have questions about our company or merchant cash advances? Find the answers below. 

  • What makes Merchant Capital Direct so popular?

    Merchant Capital Direct has gained immense popularity as a leading provider of merchant cash advances. We understand that businesses often face financial challenges. Our commitment to offering quick and accessible funding solutions has made us a trusted choice for business owners needing a merchant cash advance. With our streamlined process and personalized approach, we have helped countless businesses across Virginia City, NV, and beyond, secure the funds they need to thrive.


    Our popularity stems from our focus on our clients' needs. We prioritize customer service, ensuring a smooth and hassle-free experience from start to finish. Our merchant cash advance program works by leveraging the value of your future Visa and MasterCard credit card sales. Thus you can obtain the necessary funds without the hurdles associated with traditional lenders like banks. Our dedication to providing flexible merchant cash advances no matter what has contributed to our growing popularity among business owners seeking accessible funding options.


    Whether you require capital for expansion, purchasing inventory, or managing day-to-day operations, Merchant Capital Direct offers the expertise, professionalism, and compassion to help you reach your goals. Contact us today to learn how Merchant Capital Direct can help your business with its merchant cash advance needs.

  • How does the program work?

    We purchase a set dollar amount of your future Visa or MasterCard sales at a discount, and in exchange, we pay you cash today. Then, through an automated process, we seamlessly collect the set dollar amount by taking a small percentage from each of your future Visa or MasterCard sales. Our merchant cash advances are a terrific alternative for those who have been unsuccessful in obtaining business loans.

  • How long does it take to get approved for funding?

    Merchant Capital Direct approves applications within 24 hours and funds within 5 business days. Unlike banks and finance companies, which may take weeks to obtain or even receive an answer, we work quickly to get you the cash you need.

  • Why is MCD the most flexible option available to manage my cash flow needs?

    We are not a lender or a traditional source of financing! No hoops to jump through, no tax returns, no personal liens, no cumbersome fixed loan repayments keeping you up at night, and no bankers saying "no."


    Unlike traditional loans, there are no fixed payments to worry about. We simply buy a portion of your future Visa or MasterCard receipts; in exchange, we pay you cash today, and, here is the best part, we only get paid as quickly as your business allows. In other words, the amount that you pay MCD each month is determined by how well your business performs. We are true partners in your success.

  • How do I know if I qualify?

    If you have been in business for more than nine months, have at least $5,000 in monthly Visa or MasterCard receipts, and meet some other simple requirements, you will most likely qualify. Submit an application today to get the process started.

  • How do I know how much I have left to pay?

    We send you a monthly statement.

  • Are merchant cash advances a good alternative to bad-credit business loans?

    Yes! The truth is that business loans are very difficult to obtain. We are not a lender! Our form of funding is actually an advance against future credit card sales. Use the power of your future sales to get the cash you need today!

  • I can't find any unsecured small business loans. Can you help me?

    Yes! Although we are not a loan, we are unsecured. We do not require personal or hard-asset business collateral.

  • Are merchant cash advances a good alternative to bad credit business loans?

    Yes! The truth is that business loans are very difficult to obtain. We are not a lender! Our form of funding is actually an advance against future credit card sales. Use the power of your future sales to get the cash you need today!,

  • How do I make payments?

    Our product is an advance, not a loan. As long as you qualify and meet our requirements, we can provide you with the cash very quickly without affecting your other obligations. Whether you have a secured business loan, a bad-credit business loan, or an unsecured small business loan, we can still work with you. Furthermore, because our obligation does not appear on your credit report as a trade line, we do not encumber you and your business from receiving a loan once we are in place.

  • I have a merchant cash advance with another company; can MCS replace that arrangement and offer me more money?

    We often offer larger advances at better terms than our competitors and will pay off your existing advance if it is in your business’s best interest. Contact us and find out how much you are qualified to receive. Please have your current balance from your current provider available when you call.

  • What can the merchant's cash advance be used for?

    Merchant Capital Direct places no restrictions on how you choose to use the cash. Common uses include the purchase of inventory, the purchase of equipment, remodeling, expansion, advertising, paying off debt, and taxes.

  • Why should I avoid a broker or "rep" when seeking merchant cash advance funding?

    Quite simply, they add little value; they actually add time to the funding process and very often add cost. Because they simply throw your application over to another company for underwriting, they have no control over the process. This places you one step further away from the underwriting team, the very people who want to understand your business. You will deal directly with our in-house underwriters. Brokers and reps often charge finder's fees and other "brokerage commissions" just for the act of faxing your application to multiple funding sources.

  • Is there an application fee?

    NO! There is no cost or obligation associated with submitting the application and processing statements. Once submitted, we will provide you with a proposal for funding, and you can make the best decision for your business.

Merchant Cash Advance

Share by: