Business Funding
Get the money you need to expand
your business when you want it.
We’ll cater our loans to your specific business and help you get funds when you need it
Diverse Merchant Solutions works with multiple lenders to provide loans to all business types. Our loan options range from SBA 7A and 504 loans including our SBA Express Loan program used for working capital in which you can get up to $300k funded within one to two weeks or less and can go up to $600k (See more information below in our SBA Loan section) to Short-term loans and Long-term loans with monthly payments, Merchant Cash Advances, Commercial Mortgages, Equipment Financing/Leasing, Lines of Credit to Factoring – AR Receivables
and Asset Based Lending.
We understand that every business is different which is why we adapt our funding solutions to tailor them to your unique needs and requirements. We can explain loan options and help guide and assist you in the decision-making process to help you determine the most appropriate loan option(s) that best suits your business needs.
With our broad range of loan selections, Diverse Merchant Solutions makes it easier than ever for businesses to obtain funds immediately whether they’re looking to expand their business, sustain their operations, pay off debt, replace or purchase essential equipment, remodel their location(s), replenish inventory, or do whatever their business needs to be successful.
Diverse Merchant Solutions is changing the way Small Businesses access capital
Diverse Merchant Solutions focuses on the true health of your business, not just credit scores. This means we can approve many businesses that may have been denied by other banks. By reviewing business performance in addition to credit history, we can identify a qualified business that others pass by.
Our cutting-edge technology allows us to make decisions quickly and fund loans fast. Applications for loans under $35,000 may be approved in as fast as one hour and loans from $35,000 to $150,000 may be approved in as fast as one business day.
“Yes” Approach to business underwriting and choose the loan terms that work best
At Diverse Merchant Solutions, we know how frustrating it can be when you see opportunities you can’t act on because you don’t have the right financing. The reality is, that lots of small business loan applications get rejected by banks. But the good news is that Diverse Merchant Solutions is ready to say “yes” to your needs with capital for your business and unlike with other lenders, the application process takes hours, rather than weeks.
Diverse Merchant Solutions SBA 7A and 504 Loans along with our SBA Express Loan
The Small Business Association (SBA) loan is ideally suited for business owners with strong personal credit histories, well-organized financials, and business planning systems. A strong cash flow and good payment behavior demonstrate the performance of your business and can help you qualify for an SBA loan.
SBA loans are really bank loans submitted to the SBA for guaranteed payment, allowing the bank to lend with reduced risk. With SBA loans, you can access funds up to $5,000,000 for whatever your needs are ranging from expanding your business by opening new locations and hiring more employees, purchasing commercial real estate, or refinancing your current location, taking cash out if needed for working capital, purchase much-needed equipment, remodeling, debt consolidation and more.
We understand that every business is different which is why we adapt our funding solutions to tailor them to your unique needs and requirements. We can explain loan options and help guide and assist you in the decision-making process to help you determine the most appropriate loan option(s) that best suits your business needs.
With our broad range of loan selections, Diverse Merchant Solutions makes it easier than ever for businesses to obtain funds immediately whether they’re looking to expand their business, sustain their operations, pay off debt, replace or purchase essential equipment, remodel their location(s), replenish inventory, or do whatever their business needs to be successful.
Diverse Merchant Solutions is changing the way Small Businesses access capital
Diverse Merchant Solutions focuses on the true health of your business, not just credit scores. This means we can approve many businesses that may have been denied by other banks. By reviewing business performance in addition to credit history, we can identify a qualified business that others pass by.
Our cutting-edge technology allows us to make decisions quickly and fund loans fast. Applications for loans under $35,000 may be approved in as fast as one hour and loans from $35,000 to $150,000 may be approved in as fast as one business day.
“Yes” Approach to business underwriting and choose the loan terms that work best
At Diverse Merchant Solutions, we know how frustrating it can be when you see opportunities you can’t act on because you don’t have the right financing. The reality is, that lots of small business loan applications get rejected by banks. But the good news is that Diverse Merchant Solutions is ready to say “yes” to your needs with capital for your business and unlike with other lenders, the application process takes hours, rather than weeks.
Diverse Merchant Solutions SBA 7A and 504 Loans Along with Our SBA Express Loan
The Small Business Association (SBA) loan is ideally suited for business owners with strong personal credit histories, well-organized financials, and business planning systems. A strong cash flow and good payment behavior demonstrate the performance of your business and can help you qualify for an SBA loan.
SBA loans are really bank loans submitted to the SBA for guaranteed payment, allowing the bank to lend with reduced risk. With SBA loans, you can access funds up to $5,000,000 for whatever your needs are ranging from expanding your business by opening new locations and hiring more employees, purchasing commercial real estate, or refinancing your current location, taking cash out if needed for working capital, purchase much-needed equipment, remodeling, debt consolidation and more.
SBA EXPRESS LOAN: Up to $600,000
Fast-track your business growth with our expedited SBA Working Capital Loan program.
Program Highlights:
- Loan Amount: Up to $300,000 funded within 1–2 weeks (reapply for an additional $300,000 after 90 days for a total of $600,000).
- Eligibility: Based on 80% of gross revenue from your latest tax return, even if no profit was shown.
- Term: 10 years with monthly payments and no pre-payment penalty.
- Collateral: No business or personal assets required
- Interest Rate: Simple interest based on WSJ Prime + 2.75%, adjusted quarterly.
Additional Benefits:
- Bank approval within 1 business day.
- Funding available within 1–2 weeks.
- Minimal documentation required.
- No personal collateral—only a personal guarantee.
- Bank closing fees deducted from loan proceeds.
Qualification Criteria:
- Time in Business: Minimum of 2 years.
- Credit Score: 650+ FICO.
- Financials: Revenue eligibility calculated as 80% of gross revenue from the latest tax return (up to $300K loan).
- No Major Issues:
- No bankruptcies within the last 5 years.
- No felonies.
- No outstanding taxes or liens.
- Loan Usage: Funds must be used for working capital purposes.
This loan is designed for businesses seeking quick, flexible financial solutions with competitive terms. If you’d like assistance applying, feel free to reach out!
Our popular form of financing has been featured in:
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Contact us and one of our experienced professionals will work with you to determine the right service(s) for your business needs. Just click the "GET STARTED” tab and a representative will contact you, or simply call us at 800-343-5122 between the hours of 8:00 AM and 6:00 PM MST Monday-Friday. Saturdays by appointment only
