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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 Web Application

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 receive an ACH or a percentage of your credit card sales so the advance is repaid with the natural flow of your business.

Resonable Credit Standards

Resonable Credit Standards

Our credit requirements are carefully designed with an understanding of the unique credit profiles of small business owners.

Low Documentation

Low Documentation

All we require is our easy to fill out online application to be completed to issue an Approval.

Fast Approval

Fast Approval

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

Hassle Free Repayment Process

Hassle Free Repayment Process

Our advance is paid back via ACH 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 account manager.

What Our Clients Say...

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 wants to purchase a POS system
  • A resturant 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 needs 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.

Leave your best details here and our team will get back to you as soon as possible: