Merit Ridge Group

Straight answers on business funding.

Merit Ridge Group brokers revenue-based financing for business owners in all 50 states. Tell us about your business. We tell you where you stand and bring you offers from the funders that fit. We are a brokerage, not a lender, and you never pay us a fee.

Start an application Book a 10-minute call

Or call (561) 674-4782, Monday to Friday, 9am to 6pm Eastern.

A brokerage, not a lender

Merit Ridge Group LLC is a commercial finance brokerage based in Deerfield Beach, Florida. We read your file the way an underwriter will, then take it to the third-party funders whose criteria it fits.

Those funders make the credit decisions and set the terms. We don't fund deals ourselves.

We work with owner-operated businesses in all 50 states: trucking, construction, restaurants, retail, medical practices, staffing and most things in between.

What we place

Merchant cash advance
A purchase of future receivables, repaid from daily or weekly remittances. The fastest option and the most expensive. We say so up front.
Short-term business loans
Fixed-term working capital for owners with stronger revenue history and fewer existing obligations.
Lines of credit
Revolving access to draw against when the need keeps coming back.
Consolidations
For owners carrying several advances at once. We check whether consolidating lowers the weekly burden or only resets the clock.

SBA lending is a separate track. It has different qualification standards and a timeline measured in weeks. If it is the better fit we will tell you, and we keep that conversation apart from the products above.

How it works

  1. Apply or book a call

    Two minutes online or ten on the phone. Tell us your revenue, your time in business and what you are already carrying.

  2. We review your file

    We look at revenue, cash flow and existing positions, then tell you where you stand. If the answer is not right now, we say that.

  3. You compare the offers

    We submit to the funders that fit and lay out the cost of each offer in plain terms before you sign anything.

Three things we won't do

  • Call you approved before we read your file.

    Nobody can know that. A broker who quotes an amount and a rate on a cold call is guessing to keep you on the phone.

  • Charge you a fee.

    The funder pays our commission when a transaction closes. We charge merchants no advance fee and no brokerage fee.

  • Call ourselves your lender.

    Funding comes from third-party funders who set their own terms and make their own approval decisions. We broker the deal and say so.

Common questions

Will applying hurt my credit?
No. There is no hard credit check to apply with Merit Ridge.
Is there a minimum credit score?
No. There is no minimum credit score to apply. Funders weigh your business revenue first.
How fast can I get funded?
In as little as 24 hours once a funder approves your file and you sign. Timing depends on the funder and how quickly documents come back.
What kind of financing is this?
Revenue-based financing. Funders underwrite on your business deposits and cash flow, so offers are sized to what the business brings in.
What documents do I need?
Three to four months of business bank statements. That is the only document required.
What does it cost to work with you?
Nothing. The funder pays our commission at closing. Each offer's own cost is laid out before you sign.
I already have advances. Can you still help?
Often, yes. Tell us what you are carrying and we will look at whether another position or a consolidation makes sense.
Which states do you work in?
All 50. Our office is in Deerfield Beach, Florida.

Rather talk it through first?

Ten minutes on the phone is enough to tell you whether we can help. Call now, or pick a time and we call you.

(561) 674-4782 Book a 10-minute call

Reach us

Office

Merit Ridge Group LLC
1178 Southwest 44th Avenue
Deerfield Beach, FL 33442
United States

Direct

(561) 674-4782
support@meritridgegroup.com

Monday to Friday, 9am to 6pm Eastern.

Call 561-674-4782 Apply