Merchant Cash Review for Borrowers is no longer live
This review has been kept for education purposes only, as went offline in 2020

This lender review of Merchant Cash is intended to highlight the business’s structure, loan types, reviews, and what they require of potential borrowers. Read the following Merchant Cash review and it will outline the figures required.

Merchant Cash Review in Numbers

Australian Business Number (ABN):26 161 768 681
Australian Credit License:NO LONGER ACTIVE
Loan amount:from $5,000 – $5,000,000
Loan term:from 3 months – 12 months
Unsecured Loans Offered?Yes
Easy Online Application:Yes
Response Normally Within:24-36 hours
Documents Required to Apply:Name, phone number, business’s name, business’s address, how long you’ve been in business, how much you want to borrow (and why you need the loan), whether or not you own commercial/residential property, and your ABN. This is only for the initial application. After the initial application, you’ll need to show your financials, as well.
Requirements to Apply:12 months in operation, $5,000/month in sales.
Minimal Interest Rates:Interest rates vary and are dependent on your financials and application.
General Feedback from Clients Online:Merchant Cash has a 97% approval rating.
Awards and Recognition:None listed.
Website Address:

Short Summary:

Merchant Cash was quite a straightforward lender. Every business owner can basically apply and is likely to get accepted, because they use 50 different lenders on their back-office, and simply match the right clients with the right companies. They can offer huge size loans in comparison with all competitors, and all loans are done on a cash advance basis which usually means very high interest rates and accordingly, high acceptance rate.


Find the alternatives below which are best rated for bad credit business loans.





Company Story

Merchant Cash Logo
Merchant Cash has an incredibly high approval rating – 97%. This could be because their application process is simple, but it’s more likely because of their flexible repayment options, low interest rates, and high borrowing range. No other small business lenders offer loans for up to $5,000,000, which puts Merchant Cash at a huge advantage for servicing small businesses in Australia.

Merchant Cash has a panel of over 50 lenders to ensure that they’re getting you the lowest interest rate and the best loan for your unique situation. They match your business situation and loan application with the lender that’s the right fit – essentially taking the guesswork out of it for you. They guarantee 24 hour funding, and they also guarantee the lowest available interest rate.

Merchant Cash is exceptional in the fact that they work with so many different lenders – this is rare for Australian lending companies. In some ways, this can assist you in expanding your loan search.


Merchant Cash Client Reviews


– TrustPilot Australia: 83% Excellent, 13% Great, 4% Average, 9 / 10 Total Score (Excellent)
– 1 Review, 1 Positive, 5 / 5 Total Score


Analysis of Client Reviews:

Merchant Cash provided an easy process for small and medium sized business owners to apply for a business loan. One reviewer stated that Merchant Cash came back with three loan options for them to review – which opened up their interest rate choices and gave them some control over their final decision. Other reviewers have praised Merchant Cash’s easy application process and excellent customer service. Some of the more average reviews have stated that the excess of lender options was overwhelming and that it was more time-consuming than another lending process that worked with fewer lenders to provide loan options.

Merchant Cash Loan Compatibility

  • Startup: No, Merchant Cash does not work with startups.
  • Bad credit: Merchant Cash is flexible when it comes to credit, but they do look at your credit score and take it into account when creating your loan application.
  • Sole trader: Yes, Merchant Cash works with sole traders as long as they have an ABN.
  • Established business: Yes, Merchant Cash works with established businesses.
  • Turnover: Merchant Cash requires that you have a minimum of $5,000/month in sales. is no longer live
This review has been kept for education purposes only, as went offline in 2020