Advance your business.

Working Capital for Working People

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We're Flexible.

Because we’re not a bank, we can be creative in our thinking. When qualifying a business for financing, we will look beyond the credit score and assess the health of the business as a whole.

Our Working Capital program has no fixed payments and no late fees. Repayment is based off of a small percentage of your daily sales as well as the ebbs and flows with your sales volume.

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Mission Statement

As a Community Development Financial Institution, our mission is to provide economic opportunities and progressive growth for small business owners and their underserved communities as a source of financing and financial education.


We’ll Service Your Solution.

Working Capital

Get cash to run your business in just 5 days! MMC will convert your future credit card receivables and ACH deposits into immediate cash. It’s a fast, flexible and easy way to get operating capital now.

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Term Loans

We offer traditional small business loans or purchase receivable financing that work for you. Get 1-5 years and up to $500K in financing with minimal monthly payments.

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Let Us Explain.

MMC offers short term financing 1-5 years that can be used for a variety of business purposes. These include (but are not limited to) equipment, expansion, inventory, marketing, sales, technology, and working capital.
Businesses can get funding amounts ranging from $10,000 to $500,000. This depends on various factors such as monthly revenue, financial payment history, and business strength.
Minimum requirements for funding are at least 6 months in business and at least $5,000 in monthly revenue.
Simple! You can fill out our online application (on the sidebar) that takes just a minute or call 844-MMC-PAYS to speak directly to a representative. Either way, you'll know quickly whether you qualify or not and how much funding you're eligible for.
Prior to applying, it's smart to have the following available: average monthly sales, business owner's social security number, and business tax ID. Additional documentation will be required after approval process.

Generally, what’s needed is 3 months of business bank statements and an application for our Working Capital program. Our Term Loan program requires 6 months of business bank statements, 2 years of business tax returns, a 1-year personal tax return and an application.
Our turnaround rate is usually 24-48 hours.
Our rates are determined by the strength of the merchant’s overall financial profile. They start at 5.49%.
The minimum FICO required to apply is 500.
Absolutely not! Both the application and quote are absolutely free.
We work with all types of businesses across 50 states.
While the business owner's personal credit is always reviewed and considered, we have started programs that allow for a personal credit score of at least 525.
Our goal is to approve all customers within 48 hours. Once approval conditions have been received, we typically deposit funds into your account within 24 to 72 hours of approval.
Payments are automatically deducted from your business checking account (or daily cc transactions) each business day. Our business owners find that daily repayment is easier on the cash flow and simpler to manage. Weekly repayment options are also available to qualified businesses.

Our terms are determined by the strength of the merchant’s overall financial profile; we offer terms from 1 to 5 years.