Why This Guide Matters
If you’re like most business owners, you don’t have time to dig through complicated loan websites or guess what lenders want to see. You just want straight answers:
- Can I qualify?
- What do I need to apply?
- How fast can I get funded?
This guide walks you through exactly how to apply for business funding with Diverse Merchant Solutions, what to expect, and the easiest ways to reach us.
Whether you need fast working capital, a line of credit, equipment financing, or an SBA loan, we handle the heavy lifting so you can stay focused on running your business.
Who We Help
We work with owners who are:
- Looking to stabilize cash flow
- Ready to expand, remodel, or acquire another business
- Tired of high-cost short-term funding and want better options
- Turned down by their bank but still generating solid revenue
Our programs can support a wide range of needs, from tens of thousands in working capital to larger projects up to the multi-million range, depending on the program and qualifications.
If you’re not sure where you fit, that’s fine. Your job is to run your business. Our job is to help you sort through the options.
What You Can Use the Funds For
Most of our clients use funding for practical, straightforward reasons:
- Buying inventory or materials
- Covering payroll or operating expenses
- Paying off high-interest debt
- Funding a remodel, expansion, or new location
- Purchasing equipment or vehicles
- Building a cash cushion for slow seasons
If the expense helps your business operate, grow, or become more profitable, there’s a good chance we can structure financing around it.
What You Need Before You Apply
You don’t need a perfect file to start a conversation. But having a few basics ready will speed things up.
Typical documents we may ask for (depending on the program):
- Last 3–6 months of business bank statements
- Most recent business tax return (and sometimes personal, for SBA)
- Basic financials – like a Profit & Loss and Balance Sheet for larger requests
- A simple picture of your business – what you do, how long you’ve been operating, and your monthly revenue
For many working-capital programs, we can start with just your application and bank statements and get you answers quickly. For SBA loans and larger projects, underwriting is more detailed, but the terms can be much stronger (longer terms, lower rates, higher amounts).
Don’t have everything perfectly organized? That’s normal. We’ll tell you exactly what’s needed and in what order.
Step-by-Step: How Our Application Process Works
Step 1: Quick Intro – Tell Us What You’re Trying to Do
You can start in whichever way is easiest for you:
- Fill out our Business Funding form on the website
- Schedule a quick call using our online calendar
- Call (800) 343-5122 or email us directly at info@diversemerchantsolutions.com if you prefer to talk it through
In that first conversation, we’ll cover:
- What you need the funds for
- How much you’re looking for
- Rough numbers on your revenue and time in business
- Any major challenges or constraints (credit score, past issues, etc.)
This helps us decide whether a line of credit, term loan, SBA loan, equipment financing, MCA, or another program is the right fit.
Step 2: We Match You with the Right Program
We work with a large network of lenders and programs, so you’re not stuck with one rigid option. Based on your profile, we’ll look at things like:
- Amount you’re requesting
- Time in business and annual revenue
- Credit profile and existing debt
- Whether you own or lease your location
- How quickly you need the funds
From there, we’ll narrow it down and present realistic options, not wishful thinking. That may include:
- Working capital / revenue-based funding for speed
- Term loans or 10-year options for fixed monthly payments
- SBA loans for larger, longer-term projects
If something clearly doesn’t make sense for your situation, we’ll say so.
Step 3: Submit Documents & Finalize Your Application
Once we agree on a direction, we’ll send a clear, simple list of what we need from you. Typical items:
- Application or quick online form
- Bank statements
- Tax returns and financials (for larger and SBA deals)
- Any supporting items (lease, purchase agreement, etc., if applicable)
We package your file and work directly with our lending partners. You’re not left chasing underwriters or wondering what’s happening – we do that part.
In many cases:
- Working capital and some lines of credit can receive decisions quickly, sometimes within 24–48 hours after a complete file.
- SBA and larger structured loans take longer, but you get the benefit of lower rates and longer terms.
We’ll keep you updated so you know where things stand.
Step 4: Review Your Offers and Choose What Works
When offers come in, we’ll walk you through:
- Total amount approved
- Estimated payment and term
- Rate / cost structure (including any fees)
- Any special conditions or requirements
We’ll compare options side by side and give you a straightforward take on what makes the most sense for your business.
Once you sign and complete any final items, funding can be released – often within days, depending on the program.
How to Contact Us & Get Started Today
If you’re thinking about funding, don’t wait until cash flow is tight. It’s always easier to get good terms before things become urgent.
Here are the easiest ways to reach us:
- Schedule a consultation online
- Use our online calendar link on the site to book a time that works for you.
- We’ll review your situation, talk through options, and outline next steps.
- Submit a Business Funding request form
- Go to the Business Funding section of our website.
- Complete the short form with your basic info and funding needs.
- Someone from our team will reach out to you to discuss details.
- Call or email us directly
- If you’d rather just talk, call us and say you’re interested in funding for your business.
- You can also email us with a short description of what you’re looking for, and we’ll reply with next steps.
Final Thoughts: Don’t Overcomplicate It
You don’t need to become a financing expert or spend days researching every program. If you:
- Own a business
- Have real revenue
- Need funds to stabilize or grow
…then you’re exactly the type of client we work with every day.
Click over to our Business Funding page, schedule a quick call, or reach out directly. We’ll walk you through the process, help you compare options, and work to secure the funding your business needs to move forward.