Providing Small Business with Working Capital

About Merchant Capital Direct


Whether new to business or looking to expand, Merchant Capital Direct offers the financial resources you need to grow your business.


Merchant Capital Direct has helped small businesses increase their earning potential by providing the funds for inventory or equipment purchases, expansion and remodeling, emergencies, back bills and more!


We pride ourselves on the relationships we build with our clients and value customer  satisfaction. We make business advance funding easy with a fast online application, quick approval, and a direct cash deposit.


As experienced financial experts, we understand the challenges small businesses face and seek to provide individualized financing solutions to our clients. Offering business cash advances at competitive prices, we strive to get you the working capital you need!

Merchant Capital Direct

Experienced Financial Professionals


The process of financing your business or project can be scary, but we have the experience and expertise to help you get it done right. James Harrington has been in the Financial Services Industry for over 28 years.

Merchant Capital Direct

James Harrington, Founder


“With a proven, successful record as a young entrepreneur, I built a global financial services company from the ground up.


My qualifications include expert knowledge of the financial industry since 1989, with a constant focus on client satisfaction and profitability.


The Lenders that we work with are the best in the industry. You can count on honesty and professionalism in every aspect of the commercial loan process from us.”

Advantage of Business Advance Funding vs Traditional Bank Loans

Business Advance Funding

  • Quick and easy online application
  • No credit checks and low documentation
  • No collateral requirements for unsecured loans
  • Same day or next day approvals
  • High Approval Rate
  • Fast funding and access to cash

Traditional Bank Loans

  • Lengthy application process
  • Credit checks, financial and personal documentation required
  • Collateral required
  • Up to 60 days wait for approval
  • Low Approval Rate
  • Slow access to funds