About us


New Merchants Capital provides alternative small business financing solutions for fast, easy access to working capital.

NMC specializes in providing fast, low-documentation financing. We are one of the leading providers of working capital in the nation, serving over 100,000 small to medium-sized businesses just like yours across the country. With an A+ rating from the BBB, we are a company you can trust.

The NMC mission

Founded by a group of successful business owners, NMC understands the financial strains placed on small business.

We believe American small businesses are the backbone of our country, and they rarely get the recognition and resources they deserve. Our mission is to help small to mid-size businesses thrive in today’s economy by providing them with the working capital and advice they need to stay afloat, grow their business and access their fullest potential.

Financing with NMC  is much more than a simple financial transaction. You’re forming a relationship with a company that is devoted to your success. You’re entering a network of business professionals who genuinely want to improve your future. NMC  was founded by a group of successful business owners, so we understand the financial and logistical roadblocks that entrepreneurs encounter during a turbulent economy. The management team at NMC  has over 40 years of combined experience working with small business owners. We’re committed to helping small businesses thrive by providing quick, simple cash advance solutions that are both fair and flexible. There are no hidden costs and our financial terms are customized to accommodate your individual needs. We only succeed when you succeed. Built by and for successful business people, we’re here to help your business become bigger, stronger, and better than before.

  • A+ Rating with the Better Business Bureau

  • 90% of our customers would recommend us to a friend!

  • Our promise means your success

With NMC, you have a fast, convenient and reliable way to build and maintain the healthy cash flow that is critical to the success of your business.

We believe that the life of a small business should not be dependent on a credit score or a decision made by big banks. At New Merchants Capital our belief is that getting the cash your business needs should be based on you, the business owner. NMC knows you’re more than just a number. We understand that not every business operates the same way. We look at each situation individually, which produces such high approval rates.

With a Merchants Cash Advance, securing funding to maintain the healthy cash flow that is critical to business success is convenient, fast and reliable. We see a potential success story in every business. We pride ourselves on saying “yes” with ease and speed to get you the cash you need, when you need it most. We promise to put your small business’s future in your own hands, and to help you along the way.

We are a merchant cash advance company. Our cash advance programs allow small to medium size businesses the opportunity to acquire the capital they need quickly, efficiently and hassle-free.

New Merchants Capital is built from a team of successful and experienced business owners who understand how difficult it is to succeed as a small to midsize business in a troublesome economy. In 2009, this group of professionals came together with the common goal of helping small businesses reach their fullest potential. Choosing NMC guarantees you some of the most dedicated, highly qualified industry leaders who genuinely want to help in any way they can. The reason that NMC  values small American business so much is because they are a huge part of the very foundations that have made us successful. We are not only for small business, but we understand business. It’s what we do.

Smart funding – Because this is not a loan, there is often NO personal guarantee or the collateral required as when applying for a small business loan. We simply secure your cash advance against a portion of your future receivables. Less stress makes this a very smart move for many merchants just like you.

Fast financing  – The money can appear in your account in as little as 3 business days. How’s that for fast!

Easy approval – With our high approval rate, getting your cash advance is easy. Bad credit is no problem and it only takes 5 minutes to apply. The best part is you never write a check to pay us back, making payback as easy as possible.

How we compare

A merchant cash advance from NMC  is a fast and easy alternative to traditional lending methods. We say “YES” to your business with ease and speed. Most applicants get approval within 48 hours. Typically, you will receive working capital directly in your account in as little as 3 business days.  When you need cash now, New Merchants Capital  is the right choice.  Don’t let a bank decide your small business’s future.  Let us make it all about you.


What makes us better - New Merchants Capital

Better than a bank – no hassle – quick and easy

More approvals
We say yes 80% of the time.

Bad credit
Not a problem. We look at the overall performance of a business. Decisions are made by human beings not machines that only read numbers.

No personal guarantee
There is no risk because we do not require personal collateral.

Easy application process
We only need 3 months of credit card and checking account statements, a photo ID and a voided business check.

Quick approvals
Decisions are made with in 24 hours of receiving all documentation.

Get your funds
Funds will be received as fast as 24 hours via ACH directly into your business checking account.

Fixed payment options
Regular fixed payments mean no worrying about large end-of-month obligations.

Why Us - New Merchants Capital

America’s small business deserves a “yes!”

When you choose NMC, you gain a trusted partner and enter a network of business professionals who genuinely want to help your business reach its full potential. We are a company that’s all about you and your needs.

Unlike a bank loan or other traditional lending methods, a merchant cash advance provides your business the capital it needs, without the need for personal collateral or long approval processes.

We make it easy to get the cash you need for your business. Poor credit is often no problem. With our fast and easy application and high approval rates, we say “yes” to your business’s growth, and “no” to late fees, check-writing, and long waits for funding.

Thousands of small to medium-sized businesses around the country found that MCA was the right fit for them. In fact, 70% of our business comes from repeat clients! This is because we’re not a bank, but an independent financial institution. We use a simple business model that just works.

Benefits of a merchant cash advance


Avoid the brokers and “middleman” fees:

A merchant cash advance is a completely transparent cash offering. You’ll get the financing you need quickly so you can spend your time focused on more important business .


No need to run your credit multiple times:
No matter what your credit score, we offer cash advances with just a single credit run.


Work with a partner who cares:
Working directly with a dedicated Funding Specialist means you always have someone on your side. We can create a customized plan based on your business goals.


No collateral or personal guarantee needed:
There is no risk. You can easily get the financing you need without the worry of placing your personal property or assets on the line.