Merchant ReFi is a Direct Funder Specializing in Fast Working Capital for Small and Medium-sized Businesses.

We offer a full range of financial products designed to help your business succeed. Earn rewards or 10,000 United MileagePlus® bonus award miles for every qualified round of funding.

Why Merchant ReFi?

Merchant ReFi has been working in the business funding industry since 2008. The majority of our staff and partners have been business owners themselves, or have been responsible for overseeing the day-to-day operations of a business. In other words, we understand just how important it is to have access to fast and easy working capital. With more than $100 million in funding provided to thousands of business, we’ve helped business owners across the country bring their dreams to life.

The Benefits of Working With Merchant ReFi

Unlike regular loans, our cash advance program does NOT require any collateral or incur interest. The advance is automatically paid for by taking a small percentage of your credit card transactions or by a fixed ACH debited to your bank account until it is fully paid.

We also believe that you deserve to be rewarded for all of the hard work you put into your business. We’re more than a funding company — we’re your partner, and we’re constantly improving our rewards program to make it even easier to grow your business and your bottom line.

Applying for funding through Merchant ReFi is quick, free, and easy! Simply fill out the form above to get started. Our friendly staff is always ready to help, so don’t hesitate to get in touch with us if you have any questions.

Our Mission

We recognize that no two businesses are alike. As such, our programs are diverse, flexible, and designed to address the current and future needs of your business. We are able to leverage your future sales in order to give you the money you need now. As former business owners and operators, our mission is to create the funding company we would want to work with!

How it Works?

Three easy steps to get started

Apply

Fill out our form to start the qualification process.

Review

One of our agents will review your application and get you the best rate available.

Approved

Receive working capital for your business and 10,000 award miles.

Earn 10,000 United MileagePlus® bonus award miles!

Learn More

What Our Happy Customers Have Been Saying

“These guys are one of the most trustworthy and honest people in the industry. They actually want to help your business. Definitely worth your time.”
Stefano DamianiBusiness Owner

“Great customer success team. They took the time to understand our needs and found a program that would fit exactly. Also coached us through the process patiently ensuring that we understood everything.”
Shah AshishBusiness Owner

“Merchant Refi gave me the small Business loan that I needed to jump start a new project and I am very happy with how easy it is to work with them. Jack and his Team are Good-People, the transactions are smooth, and they actually care about the success of my projects.”
Daniel RubensteinBusiness Owner

Get the Working Capital You Need

Apply Now

The United MileagePlus miles earned by funding directly with Merchant ReFi can only be received by the persons signing the agreement for funding. The name of the recipient(s) must match the name of the persons signing for the agreement, and the miles may not be earned by any other persons within the respective organization. The miles will be earned by the recipient(s) one time for completing funding, and will be sent out when requested within 6-8 weeks of being paid in full and in good standing. This offer will expire after the 6–8 week request period. All requests must be sent to info@merchantrefi.com. If there are any questions about this please contact Merchant ReFi support at (844) 737-7334, and not United MileagePlus.

Miles accrued, awards and benefits issued are subject to change and are subject to the rules of the United MileagePlus program, including without limitation the Premier® program (the “MileagePlus Program”), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United® may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards, and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates, and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to united.com.