Funding
Without the baggage

We work with every industry

Get $5K - $5M of working capital for inventory, equipment, refinance debt, payroll, receivables, or anything else your business might need.
Fast Approval, Minimal Paperwork
No Equity, Collateral or Credit Impact
Flexible Use & Repayment

Funding small businesses From every industry

While most funding companies cherry-pick industries, we believe that every business deserves a fair shot. At TMR, we proudly fund companies for more than 10+ years — because everyones deserves a chance.

Trucker

Yes, We Are Funding Your Industry Too.

what the sharks had to say

"I rather see a small business take a loan from Total Merchant Resources than a bank because they'll at least care and work with them."

Mark Cuban
American billionaire, entrepreneur, television personality, media proprietor and investor.

״It’s a game changer in the sense that it can help you get capital to fund inventory, receivables, whatever you need regardless of what business you are in.״

Kevin O'leary (Aka. Mr. Wonderful)
Businessman, author, politician, and television personality

100K+ Businesses Funded

We’ve empowered over 100,000 businesses with the funding they need to grow and thrive.

$1B+ Has been Delivered

Over a billion dollars delivered to real businesses across every industry — and counting.

$50K Average Funding Size

Our flexible capital solutions typically provide $50K per business — tailored to your exact needs.

Business Financing Solutions

01

Revenue-Based Financing

We provide capital based on your ongoing revenue—ideal for businesses with strong sales but no collateral. Payments are a small percentage of daily or weekly sales, easing cash flow.

02

Business Line of Credit

We offer revolving credit lines that allow business owners to draw funds as needed, only paying for what they use. This is ideal for handling payroll, purchasing inventory, or managing seasonal dips.

03

Merchant Cash Advance (MCA)

We provide a lump-sum advance in exchange for a fixed percentage of future sales. This product is perfect for high-volume businesses like restaurants and retail.

04

Credit Card Split (Great for Restaurants)

A niche solution where a small percentage of each credit card transaction goes toward repaying the advance—fully automated and frictionless for owners.

better than your bank.

TMR delivers fast, fair, and flexible business funding — no paperwork maze, no endless waiting. Just a real chance to grow.

Apply for a business loan

(Apply in 3 minutes)

Apply in minutes.
Get funded in days.

Easy
application

Apply online or call us. Just submit three months of bank statements and a quick application form.

Review
options

Speak with your dedicated account advisor to review your financing options best fit for your business.

Fast
funding

Get approved within 1 day and receive funds directly into your business bank account.

ongoing support

Need more capital later? Your account manager is always one call away and ready to help.

How much do you qualify for?

$35,000
$250,000

Apply for a business loan

(Apply in 3 minutes)

80% return for more capital, here’s what they say:

Barbara Lewis
OWNER AT Lewis Janitorial Supply

"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."

Ernest J. Reilly
Founder/CEO AT TEEM Academy

"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."

Dawn Lepkowski
OWNER AT Belmont Cafe

"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."

Andrew Blume
OWNER AT Two Men and an Appetite

"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."

William C
Total Plumbing Services & Engineering

"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!"

Jeremy
Owner of Vice City Smoke Shop

"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."

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

״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״

Mayra Ramirez Guzman
H&M Commercial Cleaning Services LLC

"I am so thankful that I found TMR when I really needed funding to grow my business. Jay helped me tremendously through out the process and was able to get me funded quickly. If you are in need of funds and get denied by other lenders you should look into TMR because they are legit and help you get funded fast!"

It Takes Money
To Grow A Business

“Total Merchant Resources has reinvented small business financing”

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 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.

get
Funded

Hassale free 3 minutes online application

Start Now

Jason Reddish

TMR Co-Founder and CEO

Val Pinkhasov

President of TMR

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