Financing

Merchant ReFi can give your business the financing it needs, plus bonus award miles.

Fast, easy, and 100% secure
Merchant ReFi will help you choose the right option for your needs
We’ll help keep your money in your pocket and increase your cashflow
Apply Now
Traditional Financing

How Does It Work?

Merchant ReFi can help you find the best financing plan for your business. Unlike regular loans, our cash advance product 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.

Our Easy Process

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.

Qualifications

Qualifications to apply for and receive merchant finance

In business for at least one year
$20,000+ in monthly sales
A minimum credit score of 500
Not a non-profit or in the marijuana, oil, or gas industries
Your gross revenue is your revenue after transfers between accounts but before all other expenses.

Funding

What you’ll receive with your merchant advance capital

Funding amount ranges between $10,000 and one million dollars
Terms ranging from six to 18 months
Daily and weekly repayment cycles
Peace of mind and working capital for your business!

Ready to get the funding your business needs?

Apply Now
Shop Owner

What’s In It For You

Your small or even medium-sized business has financial obligations. We recognize that and our merchant advance can help! You can use your advance for anything related to your business — such as real estate, taxes, payroll, and more — and you can get it as soon as you’re approved. Our merchant cash advance company also doesn’t require you to put down any collateral, making the process easier and less stressful for you. Looking for an increase in working capital? Welcome to Merchant ReFi.

On top of that, you also qualify to receive United MileagePlus® award miles. You’ll receive your bonus miles 30 days after funding for $20,000 or more if your account is in good standing. Whether you’re taking a business trip or jetting off on a family trip is up to you — we’re just here to help make it possible.

Merchant ReFi

Not sure how to find working capital? Merchant ReFi is the answer. Get merchant finance as soon as you’re approved — which is often the same day you apply — and repay your merchant advance easily through small percentages taken out of your company’s credit card transactions or through a fixed ACH debited to your bank account. We’re business lenders who are here to help your business succeed, and you get United MileagePlus® award miles while you’re at it.

Airplane

Earn 10,000 United MileagePlus® bonus award miles!

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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

Merchant ReFi is the only direct funder to offer bonus United MilagePlus award miles along with fast working capital.

Get an advance and earn 10,000 United MilagePlus bonus award miles.