Empowering American Small Businesses Since 2016

Our Mission is to Provide the Speed, Transparency, and Flexibility You Won't Find at a Bank.

Our Story

At Merchant Trend Funding (MTF), we believe that access to capital should be a catalyst for growth, not a source of stress. Founded in 2016, we recognized that traditional banking institutions were failing modern entrepreneurs with long wait times, rigid requirements, and a “one-size-fits-all” mentality.

Over the years, we have helped hundreds of business owners across the United States navigate the complexities of expansion and operational stability. From local service providers to large-scale retailers, our goal has always been to provide smart, revenue-based funding solutions that move at the speed of your business.

Speak to Funding Expert:

(800) 674-8486

The MTF Difference: A Partnership Approach

We don’t just provide funds; we provide momentum. Unlike standard lenders, we operate as a direct funder, which means you deal with the decision-makers directly.

Dedicated Expertise

Every client is paired with a Funding Expert who understands your specific industry and cashflow cycles.

Speed as a Standard

Our streamlined process allows for approvals in as little as 4 hours and funding within 24–48 hours.

Flexible Repayment

We utilize a revenue-based structure where your payments adjust naturally—higher when sales are strong and lower during slower periods.

Speak to Funding Expert:

(800) 674-8486

Our Core Values

Transparency Above All

We believe in upfront costs and clear terms. No hidden fees, no middlemen, and no surprises.

Commitment to Growth

We measure our success by the success of our clients. Whether you are restocking inventory or opening a second location, we are here to fuel that journey.

Data-Driven Fairness

We look beyond just credit scores. By evaluating your real business performance and revenue, we can say "yes" when traditional lenders say "no".

Why Hundreds of Businesses Trust MTF

National Reach

We proudly support businesses in all 50 states.

High Approval Rates

Our performance-based underwriting considers businesses with credit scores starting at 550.

Scalable Funding

With access to up to $2 million, we provide the financial strength needed for any stage of business development.

Ready to start your next chapter?

Speak to Funding Expert:

(800) 674-8486