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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


Fill out our form to start the qualification process.


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


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

Earn 10,000 United MileagePlus® bonus award miles!

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