Find Me Funders
Total Merchant Resources review
What Total Merchant Resources will tell you before you apply, what it will not, and who that combination suits. Separate from the profile, which is the data record.
The short version
Total Merchant Resources puts 7 of 9 publishable details on the record, which ranks it 10 of 59 in this directory. It publishes no price for any of its 1 products, which is the norm here rather than the exception.
- Publishes amounts: $5K – $1M.
- States a funding speed of 24 to 48 hours.
Worth knowing before you call
Operating as TMRNOW, "a division of Total Merchant Resources LLC", founded 2008 by Jason Reddish and Val Pinkhasov; address 377 Hoes Lane Suite 240, Piscataway, NJ 08854. Funds merchant cash advances directly to SMBs and also acts as a wholesale funding source to ISO-level institutions. The most structurally detailed program grid in this group - nine tiers (Platinum, Platinum Stack, Gold, Gold Stack, Silver, Silver Stack, Bronze, Bronze Stack, Start Up/High Risk) with per-tier term, position and months-in-business - but the table is headed "Program Matrix & Buy Rates" and publishes no buy rate, factor rate or fee at all, which is the site's most notable gap. Explicitly "not FICO driven", so no credit score floor. Repayment can be daily, weekly, twice monthly or multiple times per week via ACH and credit-card splits. Publishes a long fundable-industries list but no excluded industries and no state restrictions.
What it publishes, product by product
| Product | Amounts | Pricing basis | Published rate | Term | Speed | On the record |
|---|---|---|---|---|---|---|
| Merchant Cash Advance | $5K – $1M | Not disclosed | Not publicly disclosed | 2–12 mo | 24 to 48 Hour Funding |
|
A blank rate is a blank rate. Competitors fill these with category averages, and a category average sends you to a lender that will decline you.
What Total Merchant Resources does not publish
- Credit minimum
- Revenue minimum
Nothing here is hidden by us — these are the fields Total Merchant Resources 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.
No third-party ratings on file
We record ratings only from public profiles we can confirm belong to this lender. None has been confirmed for Total Merchant Resources, so nothing is shown — an unconfirmed profile is worse than no rating.
How to read this review
- Figures come from Total Merchant Resources's own published disclosures unless a source below says otherwise.
- "Not disclosed" means the lender publishes nothing. It is not an estimate and not a zero.
- The disclosure score counts what a lender says about itself. It is not a rating of the lender, and a transparent lender can still be an expensive one.
- Customer ratings are the public's view. Anything we conclude is labelled as ours.
- 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 the placement labelled Partner. Neither arrangement changes a listing's published figures, which are taken from each funder's own disclosures, and paid placement is labelled everywhere it appears.
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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Total Merchant Resources publishes no pricing for its mca product
pricing_type"Program Matrix & Buy Rates": Platinum | 3-12 | 1st | 18 ... Start Up / High Risk | 2-4 | 1st | 2. Min Funding $5,000, Max Funding $1,000,000. "24 to 48 Hour Funding"
Questions about Total Merchant Resources
Is Total Merchant Resources a direct funder or a broker?
Total Merchant Resources describes itself as a direct funder.
What does Total Merchant Resources cost?
Total Merchant Resources 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 Total Merchant Resources?
Its published range is $5K – $1M.
What does Total Merchant Resources require to qualify?
It publishes: 2 months in business.
How fast does Total Merchant Resources fund?
It advertises 24 to 48 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 Total Merchant Resources offer?
On record here: Merchant Cash Advance.
How transparent is Total Merchant Resources?
It publishes 7 of 9 standard facts about itself, which is 78% — publishes most of its terms. 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 Total Merchant Resources?
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.