Frequently Asked Questions

1. Who is Merchant Cash HQ, and what do you do?

We are a family owned finance company; specializing in alternative funding solutions to small businesses, for the past decade.


2. What types of small businesses do you work with?

We work with small businesses in all industries throughout the United States. Since we are a direct funder, we make all decisions in house. No industries are restricted. Our clients include, but are not limited to, restaurants, automotive, manufacturers, florists, wholesalers, HVAC services, franchises, etc...


3. Who can qualify for funding?

Any small business in the United States. We do not shy away from the harder deals; such as low credit score, bankruptcies or liens/judgements.


4. What types of options do you offer?

Merchant Cash HQ has a range of alternative funding solutions available; please see our Programs page for more info.


5. How much can I qualify for?

There are many factors which combined together, will determine the maximum you may qualify for. These include but are not limited to industry type, years in business, credit score and seasonality. But as a general rule of thumb, 150% of your average monthly gross sales is the maximum you can qualify for.


6. How fast can I get funded?

Most deals are funded in 48 hours or less.


7. Are there any fees?

We do not charge any origination fees or setup fees, however depending on the program selected, a one time administrative fee may be deducted from the funding amount.


8. Is there a prepayment penalty?

There is never a prepayment penalty on our deals.


9. How long are the deals?

Most Merchant Cash HQ deals are repaid within four to eighteen months.


10. How do I apply?

Simply click Get Started Now and begin the process today.