Laurie B.
Quick and painless
Quick and painless. Everyone I dealt with was professional and knowledgeable, and there are no hidden fees. I started the process late on a Friday and was funded on the following Wednesday.

Formerly known as Merchant Capital Source, the team at Zinch has been providing fast and convenient financing solutions for small businesses since 2004. Our goal has always been to make financing inclusive: offering solutions that are easy to understand and use. With our focus firmly on financial flexibility, weʼre in business to help small businesses thrive.
Zinch (zinchfin.com) has 393 customer reviews on Five Star Index, with an average rating of 4.8 out of 5.
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Investments & Wealth · Seal Beach, California
Excellent

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393 approved reviews, newest moderated first
Laurie B.
Quick and painless. Everyone I dealt with was professional and knowledgeable, and there are no hidden fees. I started the process late on a Friday and was funded on the following Wednesday.
Samuel L.
The people at Mer hant Capital were informative and very helpful. I highly recommend there service.
Connie C.
I have gotten loans with MCS several times and really wanted $18,000 but the new guy I had this time more or less talked me into only getting $15000. It had always taken 2-3 days before where this time it took a little over a week. I felt like the new guy was in training. But have always had good dealings with MCS
Timothy
The application process was quick and easy. If you've got a small business, you already know how cash flow can really put a kink in the operations Merchant Capital Source set up a payment schedule that is extremely conscious of the way my business operates. You can check out the other companies who offer similar services, but MCS is without a doubt the easiest to do business with.
Bandon T.
An honest company with easy qualifications and easy payback terms.
Zeyad A.
Straight forward, professional, come through exactly as promised! Would love to work with them again! One of the owners, Eric Slutsky, was very communicative and professional!
Christian M.
The Best company to work with..
Lowell K.
This is not a bank it is a high interest advance. I feel deceived by the representative the I spoke with about this company and there policies. All interest is charged in advance and they will give no breaks for early payoff.
Response from ZinchMay 16, 2018
Hi Lowell, Are you sure you spoke with a representative at Merchant Capital Source? What was his name? We do offer an early payment discount and all interest is NOT charged in advance. This is a purchase agreement contract in which MCS purchases a percentage of the business’ future credit card sales in exchange for an upfront payment to the business. As with all purchase agreements, the cost is legally stated as a discount rate not an interest rate. Regardless all “interest” is not charged “up front”. There is no fixed payment and no blanket personal guarantee or personal collateral required from the business owner – as a result the cost of this financing is higher than a fully secured bank loan option. If you have anymore questions please let us know. Thanks, Merchant Capital Source