Business lending, for you or your customer.

A cartoon of a man counting cash. There are enlarged stacks of cash next to him, and cash is flying through the air.

Need a new piece of equipment, startup funds, or behind on operating expenses? We offer various flexible loan solutions to provide you with the instant capital you need.

  • Extended repayment terms, up to twelve years*
  • No personal collateral required
  • Large loan amounts, up to $250,000*
  • Premium service 7 days a week
  • Affordable, low monthly payments
  • Funding in as few as 3 days**

*Loan sizes, interest rates, and loan terms vary and are determined by applicant’s credit profile. Finance amount may vary depending on your state of residence. Call 866.651.8724 for complete program details.

**This is not a guaranteed offer of credit and is subject to credit approval.

How is merchant lending different from traditional bank loans?

Our merchant lending differs from traditional bank loans in that we focus more on your business’s performance and cash flow rather than solely relying on your personal or business credit history. Our application and approval process is also easier and faster than that of traditional bank loans, and our flexible repayment terms are structured differently. Contact our sales representatives today to discuss your merchant lending options. 

What can merchant loans be used for?

The way you use our merchant loans is up to your discretion. You can use the additional funds in many ways, such as purchasing inventory, renovating or upgrading facilities, investing in marketing campaigns, conducting market research, focusing on innovations or product creations, or hiring additional staff. It can also be used to cover unexpected expenses.

How would my loan amount be determined?

A merchant loan is based on your average monthly revenue, projected future revenue, or a multiple of your monthly debit and credit sales. Contact our sales representatives for a quote.

What are the repayment terms for merchant loans?

Repayment terms vary depending on the type of financing you apply for and are approved for. Common repayment structures may include daily or weekly automatic deductions from your settlement, before they hit your account, or fixed monthly payments. Repayment terms can also range from a few months to a few years, depending on the loan terms you are approved for.

Is collateral required for a merchant loan with ECS?

At ECS, our merchant loans are unsecured. This means that we do not require collateral. Instead, we assess creditworthiness and business performance.

Can I get a merchant loan if I have bad credit?

Because our merchant loans are unsecured, our loan options are more flexible than traditional bank loans. Though a poor bad credit history limits your options, we consider factors beyond your credit score, there are still options we can offer, such as a merchant cash advance.