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Contact MCF to learn more

Call us at (212) 931-6864 to speak to a loan specialist today

Whatever your financial needs are - we got you covered

We provide working business capital based on your business’ projected future sales. Businesses in high-risk industries, with financial problems or bad credit, can be approved without any collateral.


If you are still not sure what solution is right for your company, that’s what we do. We analyze your financial and organizational situation and determine what financing options are right for you.

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Unsecured working capital

Even if your credit score is low or your business is less than one year old, there are still MCA options available

Merchant Cash Advance

An alternative to traditional bank loans

Applying for a merchant cash advance (MCA) is a fast and convenient process with minimal paperwork and the opportunity for same-day funding availability. Funding amounts range from $2,000 to $2,000,000.

Rates are based on overall financial health, credit profile, time in business, average monthly revenue, and industry.

Line of Credit

Fast approvals are available to provide small business owners with instant access to financing options and funds.

Flexible financing solutions are available to provide small business owners with a defined amount of money that can be accessed as needed and repaid either immediately or over time. Funds are revolving and can be accessed repeatedly without reapplying.

Great, low rate option for small business owners with a 600+ FICO score and grossing at least $20,000 per month.

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Flexible alternative

More funds are available to draw from as the principal is paid down.

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Fair Service

Pricing is by quotation, based on your unique situation.

Credit Servicing

Fix your FICO score in a heartbeat

An improved credit rating allows merchants and individuals to qualify for better funding, financing options, lease/rentals, and insurance rates. To improve your credit, we remove problematic entries from your credit history.

As your credit improves, costs and expenses decrease, and your operational freedom increases in as little as 3 months. Raising your credit score a mere 20 points can save thousands of dollars over the life of a small business loan.

Mortgage financing

Get your mortgage under control

The rates are based on security, flexible financing, the length of the loan, the loan to value ratio, and your credit. If you currently own or are looking to purchase commercial property, also consider the financing options available to you, how much income the property produces, and if there is any debt on the property.

The most common way for a property to produce income is by having tenants. A property with both a business and a tenant is referred to as a mixed-use property.

Put your mind to ease

When your mind is free from financial worries, you have the space to focus on the moments in life that actually count.

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Alternatives available

If you do not qualify for a term loan, we will pinpoint the reasons why and provide a plan for approval.

Term loan

Specified monthly repayment schedule

Businesses with strong credit histories secure term loans at the very best rates available, between 7.9% and 24.99%. The financing options rates vary based on your industry, how you will use the funds, your credit rating, and the overall financial health and profitability of your business.

Getting funded for a term loan is a more time-consuming process than other types of loans. It usually takes between 2 and 3 weeks for approval.

Equipment financing

Putting a lien on equipment to obtain funds

Equipment financing is a fast and straightforward way to fund up to 100% of the value of the equipment. Use our tax calculator to help identify your savings, first-year depreciation, financing options and deductions.

Flexible financing rates are based on factors such as the age and condition of the equipment, how easily it could be sold, your credit rating, and your ability to pay back the loan.

Capital for business equipment

Customized answers from MCF provide precise solutions to manage your exact situation. Questions? Read our equipment financing FAQ’s.

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Factoring explained

With factoring, you sell your organization’s outstanding accounts receivables to a third party (the factor) to meet current cash flow obligations.


An advance collateralized by your business' outstanding invoices

Your organization has already rendered the services to your customer. You are just waiting to get paid. Factoring means you get paid right away instead of waiting for your customer to pay.

The loan rates are based on the invoice holder’s (your customer’s) creditworthiness and the financing options available, as well as how long it will be until the invoice is due.

P.O. Financing

An advance collateralized by your business' purchase orders

You sell your organization’s purchase order amounts to a third party to obtain the funds necessary to satisfy the order. Rates are based on the security of the order, length of funding, and your credit rating.

With purchase order financing, you can ONLY use the funds to assist with satisfying the order. But it is NOT a loan, so you are not incurring any debt. Use flexible financing such as purchase order financing option to support a single transaction and/or grow with your company’s funding requirements

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Low barrier alternative

The application required to establish a purchase order relationship is much simpler than other types of financing.

Increase visibility

Online marketing provides tangible, trackable, quantifiable results, both for eCommerce and non-eCommerce sites. The first step to increasing your sales and your profits.


An internet presence is required to do business in today's market

Even if you do not sell your products or services online, potential customers use your website as part of the research process before they buy.

Search Engine Optimization (SEO) increases the possibility your potential customers find your website using Google, Bing, Yahoo, or other search engines. SEO ensures your website appears in their search results.

MCF does not only provide financing options but also offers innovative web marketing solutions that drive traffic, convert visitors, and measure effectiveness to deliver real results.

Credit Card Processing

A staple for today's businesses

Your customers expect seamless transactions on their credit and debit cards. Now you can process credit and debit card payments with state-of-the-art terminals, including wireless and online capabilities. All with the best rates on the market.

Lifetime support and training means every business, from entrepreneurs to Fortune 500 sized companies, suffer no interruption in business with new terminal installs.

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Never pay out of pocket

Pay only a tiny fraction after your credit or debit card sales are processed.

Get a Quote today

Obtain critical services such as Payroll and tax filing, Hiring and H.R. management, Workers compensation, and Health insurance benefits.

HR/Payroll Services

Largest small business payroll management service nationwide

Instantly preview required cases before finalizing payroll to avoid costly surprises. Reduce expenses and increase convenience as you process payroll anytime, anywhere, even on your phone.

In addition to offering flexible financing, MCF also provides safe, A.A. rated, outsourced payroll, benefits administration, and H.R. management save precious time, so your staff focus on the activities only they can perform.

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