Merchant Cash

Business Loans

At Merchant Cash we help small, medium and large businesses all across Australia find the finance they need for their businesses. We are able to offer flexible repayment options that suit your business needs. Below we have presented some businesses that we have lent to recently – but we are able to lend to all industries – so do not worry if your industry is not listed below.

We lend to all industries and consider each application on its merits – we don’t operate like banks who just treat you like a number and if something doesn’t fit their credit score, too bad.

We pride ourselves on having a highly experienced team who consider each and every application on its merits.

Types of Business Loans

Does your transport or logistics company need to purchase a vehicle or refinance one that you already own? Rather than typing up precious capital by purchasing the vehicle outright, we can help you borrow the money for the purchase or structure a lease or chattel mortgage to suit your business needs.

We can also help you structure a sale and lease back of your current vehicles if you need to access cash now for other business needs.

Whether you are looking to refinance a current assets to reduce taxes or improve cashflow, or you need to purchase new vehicles to help grow your business, Merchant Cash is here to help.

Benefits

  • Low interest costs
  • Flexible options to manage cashflow and preserve capital
  • Maximise tax deductions
  • Zero deposit financing available
  • Recently discharged bankruptcies welcome
  • New and used vehicles welcome

Vehicle Types

  • Passenger Vehicles
  • Cab-Chassis
  • Curtainsiders
  • Delivery Vans
  • Dual Cabs
  • Light Trucks
  • Refrigerated vehicles
  • Tippers
  • Bob Cats
  • Fork Lifts
  • Agricultural Vehicles
  • Motor Cycles
  • All other types of vehicles

Apply Now

Unsecured Small Business Loans

We specialise in providing loans for restaurants, cafes, bars and pubs. We provide funding to both franchise and local businesses.

You can use the funds for any business purpose, some common uses for the funds are:

  • Open an additional location
  • Refurbish your business
  • Buy new equipment
  • Advertising and marketing

Considering using a daily deal like Scoopon? Read why a cash advance from us is cheaper than a daily deal here.

Merchant Cash
Our innovative medical financing programs allow you to grow your business. Many of our clients are unable or unwilling to place their family house as security with a bank for a business loan or simply want access to funds much faster than a bank is able to provide. Our Medical Practice Funding is able to step in where banks fail. Our unsecured business loans are based on the strength of your cash flows rather than the equity in your family home. Just fill out our short  application form, and one of our professional funding consultants will be in contact with you.

Doctors and Dentists have used our loans to:

  • Improve cash flow while waiting for Medicare payments
  • Purchase the latest digital diagnostic and treatment equipment such as X-ray, MRI, CAT scanner and radiation therapy machines
  • Upgrade patient management software
  • Provide training courses and conferences for current staff
  • Employ new staff top grow their practice
  • Resolve tax issues with the ATO
Apply today, fill out our quick application form and we can qualify your practice for up to $1,000,000 in 24 hours.
Unsecured Small Business Loan
Our funding team have many years of experience in the hospitality industry, and understand the unique drivers of this sector and the need for capital.

Common uses for loans in the hospitality sector include:

  • Temporary decline in occupancy rate
  • Renovations
  • Expansion
  • Low point in the seasonality of the business
  • Unexpected weather conditions deterring holiday goers
Apply now and have a hospitality specialist view your application today!
Merchant Cash
The retail industry is a unique industry in the way in which it operates. It takes someone with a special eye to pick the right fashion trends, know how much inventory to buy and foresee what will be and won’t be fashionable. In a similar manner, it takes someone with a key eye to understand how a business in retail is operating financially; this is where our industry experience really helps. Our team have many years experience in the retail industry, and we are very well equipped to help you where others would not.

We have helped many retail stores, including:

  • Clothing stores
  • Shoe stores
  • Electronics stores
  • Liquor Stores
  • Discount stores
  • Women’s lingerie
  • Lighting specialists
  • Stationery suppliers

Complete our quick application form and our specialist retail team could get you well on your way to the funding your business needs!

Unsecured Loan Australia
At Merchant Cash, we understand tradesmen’s need for capital. There might be a job that is slow in paying you, but you still need to pay your staff and suppliers; it might be a slow part of the year, but you still have fixed costs like rent and wages you still need to pay; or there might be a competitor shutting down and selling all their inventory at deeply discounted rates. We recognise these common business needs and have tailored specific loans and repayment plans for tradespeople.

We have helped many tradesmen, including:

  • Mechanics
  • Electricians
  • Plumbers
  • Builder
  • Carpenter
  • Tiler
  • Bricklayer
  • Plasterer
  • Handyman

Fill out our application form today and see how our tradespeople loans can help you today!

Franchise Loan Australia

Franchise financing is quick and easy at Merchant Cash. We have a specialised franchise financing team that understands the franchise business model and can help you get the loan your business deserves, even if you have been rejected by a bank. We understand that running a franchise is stressful, and franchises need capital to grow. Getting a bank loan can be a very painful experience and the process can be very slow. Due to their strict requirements, many franchise owners get denied for a bank loan. At Merchant Cash, all you have to do is fill out our short application form on our website and you can be approved in 24 hours for up to $1,000,000 per location.

Merchant Cash has funded many franchise owners even when traditional banks have said no. We offer an easy and flexible financing solution. Our goal is to build lasting relationships and to support franchise owners as you open, acquire, remodel and upgrade equipment and technology for your franchise. Getting a Franchises Cash Advance from Merchant Cash is very simple. We approve 95% of our franchise owners and 80% take a second cash advance after payoff of the first one. Act Now, fill out our application form and keep your franchise growing.
What Franchise Owners have done with their funding:

  • Hired new employees
  • Remodeled their current store
  • Purchased a new location
  • Expanded parking lot
  • Purchased more equipment
  • Expanding advertising program
  • Trained senior level employees
  • Increased inventory
  • Purchased an e-commerce website

Below is a list of some franchises we have helped, would you like to join them?

  • Subway
  • Dominos
  • Muffin Break
  • KFC
  • Pasta Pantry
  • Boost Juice
  • Jim’s Mowing
  • Baker’s Delight
  • Sumo Salad
  • Many Many More

Fill out our application form today and see how our franchise finance program can help your business today!

Potential uses for the funds:

  • Fund a new contract
  • Purchase Real Estate
  • Marketing and advertising expenses
  • Pay ATO taxes
  • Help with working capital and cash flows.

We invite you to apply now. There are no application fees and no obligation. We can approve loans within 1 day, and have the funds in your account as fast as 24 hours after final approval! We challenge you to find anyone else that can fund you as quickly.

Does your company need to purchase a vehicle or refinance one that you already own? Rather than typing up precious capital by purchasing the vehicle outright, we can help you borrow the money for the purchase or structure a lease or chattel mortgage to suit your business needs.

We can also help you structure a sale and lease back of your current vehicles if you need to access cash now for other business needs.

Whether you are looking to refinance a current asset to improve cash flow or manage your costs, or you need to purchase new vehicles to help grow your business, Merchant Cash is here to help.

Benefits

  • Low interest costs
  • Flexible options to manage cashflow and preserve capital
  • Maximise tax deductions
  • Zero deposit financing available
  • Recently discharged bankruptcies welcome
  • New and used vehicles welcome

Vehicle Types

  • Passenger Vehicles
  • Cab-Chassis
  • Curtainsiders
  • Delivery Vans
  • Dual Cabs
  • Light Trucks
  • Refrigerated vehicles
  • Tippers
  • Bob Cats
  • Fork Lifts
  • Motor Cycles
  • Boats
  • Agricultural Equipment
  • All other types of vehicles

Apply Now

Equipment Finance

If you need to make a large capital purchase to continue or grow your business, don’t let funding stand in the way. We can help you get a business equipment loan or lease in as little as 2 days at the best possible rates and terms. Whether you need machinery, computers, vehicles or more, we handle it all. Asset & Equipment leasing is a great way to get the funds you need now.

Getting a traditional bank loan can be complex and time-consuming. In contrast, Merchant Cash can help fund new small business loans for vehicles and equipment in as little as 2 days, even if you don’t have good credit. We can provide equipment leasing for all types of business machinery, vehicles, technology and solar panel installations.

Apply Now

How business equipment loans and leases work

Getting a business equipment loan or lease can be a short, streamlined way to finance up to 100% of the value of the computers, machinery, vehicles or other equipment you need.

Terms will vary depending on the expected useful life of the asset; you keep the equipment and make regular payments for the term of the small business equipment loan or lease. If it is a lease, at the end of the lease period you will have the option to purchase the asset. Most of our asset leases do not require any deposit – so you can fund 100% of the asset cost.

Do you qualify for an equipment lease?

Most businesses qualify for an equipment loan or lease. Even if you do not have other security, the asset you are purchasing or leasing can be its own security. How much you qualify for – and the size of the payments – depends on the value of the equipment, your business history, and your credit rating.

Even if your credit rating is less than perfect, one of our equipment finance specialists will be able to help you secure the best possible terms.

Unsecured Business Loans

Unsecured business loans can be a great way to borrow money without providing collateral. Because of the increased risk to the lender, they will have higher interest costs than secured loans.

One easy way to see whether an unsecured business loan makes sense for your business is to calculate the potential extra profit you think you will make by taking on the loan. If the profit is greater than the unsecured business loan interest cost – an unsecured loan may be a good fit for your business.

  • No collateral required
  • Unsecured loans from $2,500 to $1m
  • Borrow for 3 to 12 months
  • Funds in account same day
Take advantage of the low interest rates on offer and refinance your mortgage.

  • Lowest Rates Guaranteed
  • Low Doc available
  • Fast Approval
  • Access equity in your house to fund your business
Heavy Machinery comes with “heavy prices”. So when it comes to investing in the assets and tools to run your business, it is important to allocate your capital efficiently.

Merchant Cash can help you secure the machinery you need for your business at the most competitive rates and terms.

Merchant Cash has the experience in helping all types of businesses to Lease Equipment and Heavy Machinery. We will structure your finance so your business can best to manage cashflow and taxation.

We can finance all types of heavy equipment, industrial machinery & vehicles – including;

  • Excavators
  • Backhoe Loaders
  • Buses & Coaches
  • Forklifts
  • Graders & Rollers
  • Cranes – small and large
  • Bulldozers
  • Dump Trucks
  • Agricultural Tractors
  • Semi Trailers
  • Trucks of all sizes
  • All other types of equipment

Do you qualify?

Most businesses qualify for an equipment loan or lease. Even if you do not have other security, the asset you are purchasing or leasing can be its own security. How much you qualify for – and the size of the payments – depends on the value of the equipment, your business history, and your credit rating.

Even if your credit rating is less than perfect, one of our equipment finance specialists will be able to help you secure the best possible terms.

We can finance a range of equipment brands, new and used equipment Apply Now

Merchant Cash
We specialise in providing finance to hairdressers, beauticians, massage parlors and nail salons. Many banks are reluctant to lend to these types of businesses due to the lack of collateral. At Merchant Cash, we focus on the strength of cashflows when deciding whether to make a small business loan to hairdressers..

Potential uses for the funds:

  • Refurbish your salon
  • Hire more staff
  • Open a second location
  • Marketing and advertising expenses
  • Pay ATO taxes
  • Help with working capital and cash flows.

We invite you to apply now. There are no application fees and no obligation. We can approve loans within 1 hour, and have the funds in your account in 24 hours! We challenge you to find anyone else that can fund you as quickly.

Why Use Merchant Cash

      • All loans are unsecured. No collateral or personal guarantee
      • Funds in your account as fast as 24 hours
      • Easy repayments that are linked to your cashflows
      • Fast and simple application process. Bad credit is fine too!

What Clients Say About Us

I have used Merchant Cash twice – once to replace my brake diagnostics machine and once to buy parts in bulk. The best part is that I only make payments when my business is doing well – which certainly helps me sleep at night!
Steve P., Automotive Repair Business, VIC
When my cool room and air-conditioner broke down in the same week, Merchant Cash approved my financing and had the money in my account 3 days later. I wouldn’t be in business today if it wasn’t for them.
Melissa R, Restaurant Owner, NSW
We researched a number of different small business funding options across Australia. The banks would not lend to us, traditional overdraft was too expensive, and factoring was far too inflexible for my business. We found Merchant Cash to be fast, flexible and reliable and provided the perfect working capital financing options we were seeking. Best of all, they were very speedy and took the time to really understand our needs.
Andrew C., Hotelier, QLD
We had almost exhausted all of our small business financing options until we came across Merchant Cash. Merchant Cash provided us quick cash to give our business the much needed working capital injection it required. Thanks Merchant Cash – I will definitely recommend you to anyone requiring business finance.
Rachel P., Hair Salon Owner, WA
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