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Get Started

Fill out our quick app below and we'll be in touch with a preliminary answer within 24-hours

Contact Info
Business Info
Revenue Info

How It Works


Complete the Application

You’ll need your basic
business information
and documentation to


Sign & Submit by Docusign

Your loan advisor will confirm
receipt of your application and
let you know if any additional
documentation is needed.


Get a Smart Decision

Our underwriting team will review your paperwork and your loan advisor will reach out within 24 hours with a decision.


Receive Your Funds!

Funds will be deposited into your bank account within 1-2 business days after approval.

Total Merchant Resources
Financing Advantages

Cash Flow Compatibility

Cash Flow Compatibility

Our advances do not require large monthly payments. We Customize our repayment to go with the flow of your business. via ACH or credit card split.

Resonable Credit Standards

Resonable Credit Standards

Our credit requirement is carefully designed with an understanding of the unique credit profiles of small business owner.

Low Documentation

Low Documentation

All we need is our 1 page Application filled out and signed along with 4 months of your previous bank Statements.

Fast Approval

Fast Approval

You can expect your applicationto be approved within 24 hours, and fund in as few as 2-3 business days.

Hassle Free Repayment Process

Hassle Free Repayment Process

Our advance is repaid via ACH straight from your Business Bank Account or from your credit card sales as you batch, so there are no checks to write or due dates to worry about.

Dependable Customer Service

Dependable Customer Service

You will be assigned a dedicated, highly-trained and experienced customers service representative.

What Our Clients Say...

Belinda Polanco

"This experience was a breeze. Stephanie and Eric where so easy to work with and there professionalism and communication was 100%. The process was very simple and I would do it 1000 times over again. Thank you for everything!!!!!!"

Belinda Polanco, The easiest process I ever experienced

Daniel colon

"My guy Alex came through in a tight situation and basically saved my company. He did what no one else could and got me funded. I was able to pay my crews before I was paid. Kept my crews working on. "

Daniel colon, Florida

Rodrigo DeOliveira

"When it comes to small Buisness lending , there’s guys are the real deal. Would not have make it through 2022 without them! "

Rodrigo DeOliveira, Buisness Owner

Dakota Britton

"I have been using TMR for about a year now. They have helped tremendously with funds to help grow and expand my business. Alex has been always there to answer any questions as well as help with growing my business. Would recommend to anyone who asks"

Dakota Britton, Owner of D.J.B Roofing & Siding

Calvin Krech

"Jason and the whole company are amazing. Not just at what they do but as people. Though I did not get funding with them, they guided me to a better solution for myself and my business. I’m young in years and business experience. Thinking the best thing to do was get a loan, they taught me alternatives that were much more beneficial for me at my current stage. I will be coming back in the future! "

Calvin Krech, Client


"What they say, they do. We were looking for funding, but as a new business, most banks that “prequalified” us turned us down. Not TMR, they give you a chance. "

Jeremy, Owner

William C

"TMR is a good company and will take care of your loan needs. I had a great experience working with Alex, each time I had a question he delivered a great answer, I had plenty of questions and was really hesitant. Once we dialed in all the numbers I pulled the triggered and got funds within a matter of minutes. I will definitely use them in the future. Thank you TMR! "

William C, Plumbing

Ryan Zeber

"Working with Alex was a great, experience, and he was completely honest and informative. His knowledge of the business and work ethic was the main reason my deal funded.. Im looking foreword to many more deals.."

Ryan Zeber, CEO


"Best company by far if you want extend your business and you need help!! Costumer service is one of da best I ever deal with. If Alex is your guy don’t worry about anything he will help you!! I would recommend this company to anyone who i know then need extra money!!! Thank you Alex you are DA MAN !! Thank you TMR looking forward to long term business 💪 "

Markus, Owner of DA BAR

Dakota Britton

"Alex has always been helpful with me when ever I had any questions about things. I am happy I have found TMR to help fund my business!"

Dakota Britton, Owner of D.J.B Roofing & Sidingg

Dennis Rumardo

"Service was outstanding. Very explainable every detailed. Will definitely recommend! Thank You James Boozer!"

Dennis Rumardo, Borrower

Andrew Blume

"Val and his team @ Total Merchant Resources have been a life line for my business. Personable, friendly and reliable. Don’t know where I would be without their services. Looking forward to our continued business."

Andrew Blume, OWNER AT Two Men and an Appetite

Dawn Lepkowski

"Total Merchant Resources is always very helpful and an amazing person to work with. I have been doing business with your company for 3 years and wouldn't want anyone else to handle my account. He makes you feel very comfortable in the process of getting the loan and is extremely knowledgeable in the loan process."

Dawn Lepkowski, OWNER AT Belmont Cafe

Ernest J. Reilly

"Total Merchant Resources and Val Pinkhasov has been a big part of T.E.E.M.’s growth. Mr. Pinkhasov has been easy to work with and most importantly he provide one thing the rest of the Industry doesn’t, he provides integrity, truthfulness and a personal touch. It’s been a pleasure working with Mr. Pinkhasov, over the last 5 years."

Ernest J. Reilly, Founder/CEO AT TEEM Academy

Barbara Lewis

"We all have a cash flow problem at one time or another and if you are having the problem, TMR is your solution. The process is painless and fast. Val and his staff are knowledgeable, courteous and efficient. Call Val today."

Barbara Lewis, OWNER AT Lewis Janitorial Supply


It takes money to grow a business

You need to take advantage of business opportunities when they come up. But sometimes a small capital need can stand in the way of a big opportunity. At Total Merchant Resources, we’ve changed all that.

Total Merchant Resources has reinvented small business financing by offering with reasonable credit standards, minimal documentation requirements, and fast approval. Total Merchant Resources financing empowers you, the small business owner so that you never again have to let small capital needs stand in the way of big business opportunities.


"Total Merchant Resources has reinvented small business financing"

We Make New Opportunities Possible for Hundreds of Small Businesses

  • A merchant who want to purchase a POS system
  • A restaurant that has an opportunity to purchase a liquor license
  • A QSR franchisee that has corporate-mandated, time-sensitive upgrade or renovation
  • A liquor store that need to purchase inventory

...the list goes on and on. We provide the capital you need when you need it. That's the Total Merchant Resources advantage small business financing without the hassle.

Never again let small capital needs stand in your way of big business opportunities.

Minimum of $10,000
monthly revenue

Minimum of
3 months in business

No obligation, No equity, Fast Approval.

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