Meridian Business Capital provides flexible, fast financing for US businesses — from working capital to commercial real estate. Decisions in 2 hours. Funding in 24.
$10M
Business Capital
$25M
Real Estate
2h
Decisions
Featured
Business Term Loan
$10M
Fixed & revenue-based. No collateral. All industries. Early payoff discounts available.
Commercial Real Estate
$25M
Bridge, hard money, fix & flip, construction. Fast close available nationwide.
Business Term Loans
Merchant Cash Advance
Commercial Real Estate
Equipment Financing
Lines of Credit
SBA Loans
Invoice Factoring
Decisions in 2 Hours
Business Term Loans
Merchant Cash Advance
Commercial Real Estate
Equipment Financing
Lines of Credit
SBA Loans
Invoice Factoring
Decisions in 2 Hours
2h
Approval
24h
Funding
$0
Collateral
Who We Are
A Different Kind of Capital Partner
Meridian Business Capital was built by operators who understand how businesses actually run — and how critical it is to have capital when it's needed, not three months later.
We review every file personally. No automated rejections. No weeks of silence. You hear back within 2 hours with a real decision, documented in writing before anything moves.
✓
Decisions based on business performance, not just credit score
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Every approval backed by a signed commitment letter
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All industries considered — no automatic exclusions
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Dedicated file manager on every deal from day one
What We Finance
Ten Products. One Application.
Submit once and let our underwriting team match you with the right product for your situation.
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Business Term Loan
Up to $10M
Fixed repayment with predictable monthly payments. Ideal for expansion, equipment, or large purchases.
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Merchant Cash Advance
Up to $5M
Revenue-based financing with flexible daily repayment. Ideal for businesses with strong card sales.
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Line of Credit
Up to $2M
Draw what you need, when you need it. Pay interest only on what you use. Renews as you repay.
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Commercial Real Estate
Up to $25M
Bridge loans, hard money, fix & flip, and construction financing. Fast close available nationwide.
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Equipment Financing
Up to $5M
Finance new or used equipment with the asset itself as collateral. Flexible terms up to 84 months.
🏭
SBA Loans
Up to $5M
Government-backed programs with competitive rates and long repayment terms for qualified businesses.
The Process
From Application to Funded in 24 Hours
01
Apply Online
Complete our 3-minute application. No documents required upfront. No credit pull.
02
Personal Review
Our underwriting team reviews your file personally and contacts you within 2 hours.
03
Written Approval
Every approval is issued in writing with a signed commitment before any further steps.
04
Funded
Funds reach your account within 24 hours of final approval. No delays. No surprises.
What You Need to Qualify
Simple Requirements. Real Decisions.
📅
6+ Months in Business
Your business must have been actively operating for at least 6 months.
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$15,000+/Month Revenue
Minimum $15,000 in consistent monthly business revenue.
🇺🇸
US-Based Business
Your business must be legally registered and operating in the United States.
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3 Months Bank Statements
Most recent 3 months of business bank statements to verify revenue.
Get Started
Ready to Move Forward?
The application takes 3 minutes. No credit pull. No obligation. Our team responds within 2 hours.
Our Products
Every Capital Solution Under One Roof
One application connects you to our full product suite. Our underwriting team identifies the right structure for your situation and presents options within 2 hours.
01
Business Term Loan
Up to $10M — 3 to 60 months
Fixed monthly payments with a set repayment term. Ideal for expansion, hiring, inventory, or any defined business need requiring predictable cash outflow planning.
All IndustriesNo CollateralEarly Payoff
02
Merchant Cash Advance
Up to $5M — Flexible remittance
Revenue-based financing where repayment flexes with your daily sales. Higher sales days pay more, slower days pay less. No fixed monthly burden.
Revenue-BasedFlexible TermsFast Funding
03
Line of Credit
Up to $2M — Revolving
Draw exactly what you need when you need it. Interest accrues only on your outstanding balance. Repay and redraw without reapplying. Perfect for managing cash flow cycles.
RevolvingInterest Only on Balance
04
Commercial Real Estate
Up to $25M — Multiple structures
Bridge loans, hard money, fix & flip, ground-up construction, and long-term commercial financing. Residential and commercial properties. Fast close available across all 50 states.
BridgeHard MoneyConstructionFix & Flip
05
Equipment Financing
Up to $5M — Up to 84 months
Finance new or used equipment using the asset itself as collateral. Preserve working capital while acquiring the tools your business needs to grow. Available for virtually all equipment categories.
Asset-BackedNew & UsedAll Categories
06
SBA Loans
Up to $5M — Long-term rates
Government-guaranteed loans with competitive long-term rates and extended repayment periods. SBA 7(a) and 504 programs available for qualified businesses seeking lower cost-of-capital solutions.
SBA 7(a)SBA 504Government-Backed
07
Invoice Factoring
Up to $2M — Based on AR
Convert outstanding invoices into immediate cash. Stop waiting 30, 60, or 90 days for clients to pay. Ideal for B2B businesses with strong receivables and reliable customers.
Receivables-BasedB2BSame-Day Advance
08
Business Acquisition
Up to $10M — Acquisition capital
Financing specifically structured for purchasing an existing business. Works alongside SBA programs or as standalone acquisition capital. Fast enough to compete with all-cash buyers.
AcquisitionsPartner BuyoutsFranchises
One Application
Apply in 3 Minutes
Submit once. Our team reviews your file and identifies the best product match within 2 hours. No obligation.
About Us
Built for Decisions, Not Delays.
Meridian Business Capital was founded with one conviction: that business owners deserve a capital partner that operates at the speed of their business.
Our Story
Why We Built Meridian
Meridian Business Capital was established by a team that had operated inside the alternative lending industry and seen firsthand how many solid businesses were left without capital — not because they didn't qualify, but because the process was too slow, too opaque, or too rigid.
We built Meridian to be the opposite of that. Fast decisions. Transparent terms. Every commitment in writing before your client takes another step. A team that picks up the phone and gives you a straight answer.
✓
Every file reviewed personally — no automated scoring
✓
Decisions delivered in writing within 2 hours
✓
Dedicated point of contact on every deal
✓
Full product range — one relationship for every need
Our Standards
How We Operate
📝
Everything in Writing
No verbal commitments. Every approval is documented in a signed letter before any party takes further action. You always know exactly where your file stands.
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2-Hour Response Guarantee
We respond to every file within 2 hours during business hours. Not days. Not a week. We understand that timing is often the difference between a deal and no deal.
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Absolute Confidentiality
Every piece of information you share with us is protected under strict internal confidentiality protocols. We never share client data with third parties.
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Performance-Based Decisions
We evaluate your business on what it actually does — revenue, cash flow, trajectory. We don't automatically reject files based on credit score alone.
Get Started
Work With Meridian
Whether you need working capital, real estate financing, or simply want to understand your options — we're ready to review your file.
Apply Now
Start Your Application
Complete the form below. Our underwriting team reviews every file personally and responds within 2 hours.
Meridian Business Capital — Application
🔒 Confidential
⏰ 2h Response
Contact
Get in Touch
Have a question before applying? Our team is available to walk you through any of our products.
