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Live advisors · 9–9 ET

The Fastest
Yes In
American Small
Business.

Talk to us once. Get your number in minutes. Get funded before the day ends.

No credit pull Up to $750,000 Same-day funding $20B+ funded
Approved
$240,000
Wire sent · 2:14 PM
9:41
🔇 Tap for sound
The Merrick Calder approvals desk
Answers before the second ring
Call in · hang up approved
G4.9★★★★★500+ reviews BBBACCREDITED · A+ 20,000+businesses funded $20B+through our network
Same-day fundingNo hard credit pullUp to $750,000All 50 statesReal human underwriters$20B+ funded through our network20,000+ businesses helpedOne call, clear terms

Capital that moves at your speed

Small businesses first — no matter what. Fast, flexible working capital, the same process behind 20,000+ funded businesses. You're in good hands.

$750k
same day
Business owner taking the call

“No bank meetings. No begging. Just a number and a wire.”

Owner · Funded customer
How it works

Approved in minutes.
Funded the same day.

Keep running your business. Add the capital. Three steps, one afternoon — the phone does all the work.

01
The Merrick Calder approvals desk
Incoming answer…
00:47
Step 1 · 60 seconds

Talk to the Merrick Calder approvals desk

One call, no forms. Tell us about the business — revenue, time in business, what the money's for. That is the application.

02
Whole-business review
Deposits · seasonality · momentum
Your number
$85,000
Step 2 · Minutes

A human reads your file

A real underwriter looks at the whole business — not just a credit score. You get a number and clear terms on the call.

03
Wire sent
Business checking ••4821
3:02 PM
Step 3 · Same day

Money hits your checking

E-sign and the wire goes out. Capital lands in your account before close of business — ready to work.

The Merrick Calder promise

Three things we
will always do.

01
A human answers.

Every call ends with a real person who knows your file — never a phone tree.

02
Terms before you sign.

Every number, every date, in writing, before any commitment. No surprises, ever.

03
Funded before close of business.

Approved and signed by the afternoon means money in the account by the evening.

Recognized by industry leaders

Inc.5000 TOP 100Businesses & Startups SME BANKINGInnovation Awards VOTEDAmerica's favorite
small business capital
★★★★★
Great
Place
To Work®

As featured in

Investopedia MarketBeat GOBankingRates FOXBUSINESS Inc. Entrepreneur
Our promise to America

We're here for
the ones who build.

For the owner who opens early, closes late, and does it again tomorrow. It took us years — and more than 20,000 funded businesses — to build what answers your call today.

Every pain point, answered.Cash flow, payroll, equipment, expansion — one call covers it.
35 financing products.Your specialist finds the exact fit, with exact rates and terms.
Small business first. Always.Main Street built this country. We work for Main Street.
Industries

Capital to keep your
 
growing

Real funding for the industries that keep America running.

Why Merrick Calder

We're not a bank.
That's the point.

The bank
Merrick Calder
Decision time
Weeks of committees
Minutes on the phone
What counts
Your credit score
Your whole business
Collateral
Required, appraised, held
Revenue-based options
Paperwork
Stacks of it
One conversation
Hours
Branch hours
9–9 ET, real humans
Use it for

Whatever the business
needs next.

Payroll

Cover the crew through slow weeks and big pushes.

Equipment

Replace it the day it breaks — not next quarter.

Inventory

Buy deep for the season while prices are right.

Expansion

Second location, longer lease, bigger contracts.

Cash-flow gaps

Bridge slow receivables without blinking.

Opportunity

When the deal shows up, say yes the same day.

The standing offer

Got a better offer?
Bring it.

Show us any funding offer you're holding. 99% of the time, we beat it — on rate, on terms, or both. One call to find out.

Their rateTheir terms
VS
Your Merrick Calder offerBeaten. 99% of the time.
Beat my offer

Call the desk.
Hang up approved.

No credit impact No commitments 60 seconds
Call (602) 669-5373

Picks up instantly · 24/7 · a human confirms every file