Rating based on 18 reviews

Merchant Cash

  • Business loans up to $1,000,000
  • Low-interest starting from 0.5%
  • Repayment up to 30 years

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Author Merchant Cash. Screenshot of Merchant Cash website.
[Accessed April 12, 2018]

Merchant Cash - High approval rates

At Merchant Cash, we know how difficult it is getting a finance plan when your business is in a crisis.

We have helped a number of businesses both new and already existing enterprises during the most difficult of times. Due to the fact that we commend people that open new operations, we would never give them much trouble when they are looking for a business loan.

More than 50 lenders

Having more than 50 brokers’ means there will never be someone who is not willing to help you in terms of your business loan queries. Seeing that the lenders all offer different payment plans, not all businesses will be able to afford the different interest rates some of the lenders offer. However, with a variety of 50 lenders offering online loans for businesses, there is surely one or two broker who will be affordable for your budget.

97% Business loan approval rate

We try to run a smooth operation, but we know that we will never be perfect. Our loan applications have given a lot of hope to businesses that have lost all sense of believing that their operation will ever be a success. 

However, it is important to notice that we can only do so much. That speaks to say, if a company is not in good financial standing and hasn’t been paying debts for months on end, we can’t help much and may not be able to assist with a bad credit loan. We basically help people or rather businesses that help themselves.

Loans between $5,000 and $500,000

Clients that are interested to apply should fill in the online loan application form. The form is easy to complete and will not take more than 10 minutes to complete. This is the initial step of the business loan application and has to complete with utmost honesty.

If you thinking you are going to lie about certain information to increase your chances of getting an advance, we will find out when we do our verification process and we will not continue any further with your loan application. Therefore, honesty is the best policy and will save you a lot of time and effort.

Credit advance verification and assessment

This is where we check if every documentation corresponds with the information you furnished us during the online application stage. If everything is in order, we will approve your business loan and require you to accept the terms and conditions of the loan before you sign for the agreement.

Money deposited in 24 hours

After everything has been signed and settled, the money will be available in your bank account in the next 24 hours for your disposal.

Merchant Cash – Business loan

  • Loan Type Business loans
  • Interest Rate 0.515% p/a
  • Loan Amount up to $1,000,000
  • Repayment 3 months to 30 years

Benefits of Merchant Cash

  • Secured Loans
  • Unseured Business Loans
  • Vehical/equipment Finance
  • Invoice Factoring

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Merchant Cash - Effective business loans

Clients can get a minimum of $5000 to a maximum of $500 000 once their business loan has been approved. However, the first-time members will get a relatively lower amount and it will gradually increase as their payment patterns are recognized.

Why choose Merchant Cash?

  • All the credit advance options are unprotected which means there is no collateral involved in taking the short term loan.
  • The money will be made available in your bank account in 24 hours. This is great for the people that weren’t looking in waiting for a long time before using the money.
  • We welcome businesses with bad credit.
  • The repayments are easy and not expensive to follow through.

What do you need to qualify for a business loan at Merchant Cash?

  • The organization must have been existing for more than 12 months. This is due to the fact that we need to be able to determine if the business has been viable and has made profits before we can grant you a business loan. We are not looking into giving opportunities that look good on paper but don’t have any practicality in the real world. We need to see that a business has set food on the industry and have tasted all the challenges that come with owning an enterprise.
  • The business needs to make at least $5000 in profits on a monthly basis in order to qualify for business finance. This is another way we would be able to determine if the organization can pay off its debts or not.

Who can apply for a business loan at Merchant Cash?

  • Clients need to be Australian or permanent citizens
  • Clients need to be 18 years or older to apply for a business loan
  • The client need to possess a working banking account
  • The client needs to have an operating business that is registered in their name

Client’s feedback and remarks

We have a variety of good remarks from our clients. Essentially, it is good to know that we are delivering a great service that has made some customers to refer Merchant Cash to their own friends. To know that we have loyal customers is another sense of motivation that keeps us going and excelling even when we are not given much of platform.

Customer Reviews & Testimonials

Super simple application process - only a few minutes to complete the application and I was proved for my business loan within the same day. The money was transferred to my business account with...

Ryan S
— Melbourne —

Merchant Cash offered my business very affordable rates and repayment terms. I was happy with the experience and would recommend them to others.

Taylor B
— Adelaide —

Merchant Cash Contact

Physical Address

Opening Hours

  • Monday 07:00 – 21:00
  • Tuesday 07:00 – 21:00
  • Wednesday 07:00 – 21:00
  • Thursday 07:00 – 21:00
  • Friday 07:00 – 21:00
  • Saturday 09:00 – 17:00
  • Sunday – Closed