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Merk Funding
Get started, get approved, get funded
What Merk Funding puts on the record
Every row is the lender's own published figure or a blank. Blanks are not estimates and not zeros — they are what happens when a lender publishes nothing.
- Amounts
- $5K – $950K
- Speed to fund
- Same day (approval in 2 hours)
- Minimum credit score
- Not disclosed
- Minimum time in business
- 3 mo
- Minimum monthly revenue
- Not disclosed
- Direct funder or broker
- Not disclosed
- Products offered
- Merchant Cash Advance, Term Loan, Business Line of Credit, SBA Loan, Equipment Financing, Invoice Financing
What Merk Funding does not publish
- Credit minimum
- Revenue minimum
- Direct funder or broker
- How long it has traded
Nothing here is hidden by us — these are the fields Merk Funding leaves off its own site. Ask for each of them in writing before you sign anything, and treat a refusal to put one in writing as an answer.
Product by product
Pricing basis sits in its own column because a factor rate and an APR measure different things and must never be read as one number.
| Product | Amounts | Pricing basis | Published rate | Term | Speed | On the record |
|---|---|---|---|---|---|---|
| Merchant Cash Advance | $5K – $950K | Not disclosed | Not publicly disclosed | Not disclosed | As little as 2 hours; funding done same day |
|
| Term Loan | Not disclosed | Not disclosed | Not publicly disclosed | Not disclosed | As little as 2 hours; funding done same day |
|
| Business Line of Credit | Not disclosed | Not disclosed | Not publicly disclosed | Not disclosed | As little as 2 hours; funding done same day |
|
| SBA Loan | Not disclosed | Not disclosed | Not publicly disclosed | Not disclosed | Not disclosed |
|
| Equipment Financing | Not disclosed | Not disclosed | Not publicly disclosed | Not disclosed | As little as 2 hours; funding done same day |
|
| Invoice Financing | Not disclosed | Not disclosed | Not publicly disclosed | Not disclosed | As little as 2 hours; funding done same day |
|
Worth knowing before you call
What our researcher found reading Merk Funding’s own site — not the lender’s words
Publishes a site-wide amount range ('Get $5,000 to $950,000'), a 3-month minimum time in business, '$0 Upfront Cost' and same-day funding, but no rate, fee schedule, term length, credit score or revenue minimum for any of the six programs it names. FUNDER TYPE UNCLEAR: about-us describes operating 'a small business funding marketplace', which reads as broker/marketplace, yet the homepage uses direct-lender phrasing ('we provide funding', 'our offers') and never states a regulatory classification - is_direct_funder left null. NAME/DOMAIN MISMATCH: the site is at merkcapfunding.com and the entity calls itself 'Merk Funding Inc' with email [email protected] - same company, but the domain and the brand differ. Speed claims differ between the homepage badge ('24 Hour Approval') and the FAQ ('as little as 2 hours ... funding is done same day'). Also claims '90 % Merchants Approved' and a 5-minute application. Explicitly will not fund start-ups: 'We are unable to help fund start-ups.' about-us says the business started in New York and the phone (347) 765-2588 is a New York City area code, but no current headquarters address is published, so hq fields are null.
In its own words
Merk Funding is a Brooklyn, New York funder offering merchant cash advances, invoice factoring, and equipment financing from $5,000 to $950,000. It states it can approve and fund in as little as two hours, with a three-month minimum operating history.
Sources and checks
Every figure on this page traces to a document someone read, on a date. Where a check is past its review date it says so rather than passing as current.
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Merk Funding publishes no pricing for its mca product
pricing_typeGet $5,000 to $950,000 ... $0 Upfront Cost ... 24 Hour Approval
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Merk Funding publishes no pricing for its line of credit product
pricing_typeLines of credit, Equipment financing, Term loans, SBA loans, Invoice/AR factoring, Merchant advance
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Merk Funding publishes no pricing for its equipment financing product
pricing_typeMerchant Cash Advance (Revenue-based funding), Invoice Factoring, Equipment Financing & Business Loans
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Merk Funding publishes no pricing for its term loan product
pricing_typeLines of credit, Equipment financing, Term loans, SBA loans, Invoice/AR factoring, Merchant advance
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Merk Funding publishes no pricing for its sba loan product
pricing_typeLines of credit, Equipment financing, Term loans, SBA loans, Invoice/AR factoring, Merchant advance
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Merk Funding publishes no pricing for its invoice factoring product
pricing_typeLines of credit, Equipment financing, Term loans, SBA loans, Invoice/AR factoring, Merchant advance
Questions about Merk Funding
Is Merk Funding a direct funder or a broker?
Merk Funding does not publish whether it funds directly or brokers to others. It is worth asking on the first call, because it changes who holds your contract and who you deal with if something goes wrong.
What does Merk Funding cost?
Merk Funding publishes no price. Not a range, not a starting rate — nothing we could find and cite. You will not know what it costs until you have an offer in front of you, which is worth knowing before you spend time applying.
How much can you borrow from Merk Funding?
Its published range is $5K – $950K.
What does Merk Funding require to qualify?
It publishes: 3 months in business.
How fast does Merk Funding fund?
It advertises Same day (approval in 2 hours). That is the funder's own claim about its fastest case, not a commitment, and it starts when your file is complete rather than when you first make contact.
What products does Merk Funding offer?
On record here: Merchant Cash Advance, Term Loan, Business Line of Credit, SBA Loan, Equipment Financing, Invoice Financing.
How transparent is Merk Funding?
It publishes 5 of 9 standard facts about itself, which is 56% — publishes about half. The directory median is a useful comparison and is shown on this page.
Where did these figures come from?
Each one traces to a document someone read, on a date, listed at the bottom of this page. Where a figure is absent it is absent here too. Where this page says a figure is not disclosed, it means the lender publishes nothing we could find and cite. It is not an estimate, a category average or a zero. Filling that gap with a guess is how a business ends up applying somewhere it was never going to qualify.
Is Find Me Funders affiliated with Merk Funding?
No. Find Me Funders is a directory and does not lend, make credit decisions or set terms. Everything here describes what other companies publish about themselves. Find Me Funders is free to use. We earn a fee from some funders when a business we refer goes on to receive funding, and a funder can pay for a placement, which is always labelled. Neither changes a disclosure score, a ranking position or what a page says — scores are computed from published fields, not from commercial relationships.