JB Merchant Capital LLC


We have the funding you need.

Merchant Cash Advance

Also known as an “MCA”, it is the agreed upon purchase of future receivables in exchange for an immediate lump sum to the merchant. The lump sum must be used as working capital, and/or any toward expenses related to the business. It is traditionally paid back in the form of a daily or weekly ACH pull from the business bank account.

*No Collateral Needed

*1st position+ (multiple positions considered)

*4-24 month terms

*Amount- $10,000 to $1,000,000



MCA Consolidation

Overwhelmed with multiple MCA’s? This program will help you get back on track. Each MCA company you have an agreement with will be paid off, the amount will be consolidated. You will then have a single, more manageable payment, allowing you to regain revenue generation for your business.

*Minimum $100,000

*Collateral Required

*Monthly Payments

*Terms- 12-18 Months with Renewal Options

*Rates- 12%-21% (payback on principle amount)

Term Loan

The most straight forward product, a Term Loan is a borrowed lump some. Paid back over a set amount of time, at a fixed interest rate. A great option for the merchant looking for a product with a longer payback term.

*Amount- 100,000 to 5,000,000

*Rate- 8%-21% Fixed.

*Term- 1Year+

*Requirements- Business 2+ years old, Credit Score 650+



Real Estate Loans

Real Estate Loans are used to purchase operating and/or revenue generating properties. Your business must be well established to qualify. Rates and terms are partially determined by the intended use of the property.

States- CT, FL, NY, NJ

Process Time- 2-4 week after submission.

Loan Amounts- $500,000.00 to 5,000,000.00+

Terms- 12-18 Months with Renewal Options, 1st Position, some 2nd position considered.


Line of Credit

A Line of Credit, or “LOC” for short, is a set amount extended to the merchant. It can be used as needed, up to the granted amount. A minimum monthly payback amount will be set, but it is encouraged to pay more than the minimum. The merchant can pay off the line of credit in full at any time.*    (*some exceptions may apply)

*Lines from $100,000 to $5,000,000

*Collateral Required

*Rates- 8%-18&%APR (payback on principle amount)

*Monthly Payments