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Merchant Lending

Hassle-free loans for businesses looking to grow

Expand your business with merchant lending from Tidal

Need a merchant loan to help with your next step? We have flexible funding options that work for merchants of all sizes.

  Watch video Contact sales

Fund your next move with confidence and ease.

Minimize the wasted time spent trying to receive funding from banks, receive funding up to $500K with a term up to 18 months, get the cash within days, and pay it back through a set percentage of your daily sales — all through a simple application and qualification process.

  • Easy pay off

    Payments are as easy as making sales. Loan repayment is based on daily transaction volume.

  • Funding up to $500k

    Get what you need to take your project to the next level from as little as $5,000 to as much as $500k.

  • Quick turnaround

    Once approved, you should receive your funding within two days.

Easy pay off

Payments are as easy as making sales

Loan repayment is based on daily transaction volume. A.k.a. The better you’re doing the quicker you’re paying off your loan, and vice versa.

  • Process credit cards

    Accept your credit cards like you normally would.

  • Fixed rate

    A fixed percentage is withheld from all card sales.

  • No set term

    Repayment amount fluctuates based on cash flow.

Easy application and approval process

Let us know how much you need, provide just a few documents and you’re almost in! Get approved and funded within 3 days and start putting your loan to good use.

  • At least 3 months in business

    Just opened? No problem. You can still receive merchant funding.

  • $5,000 minimum monthly credit sales

    Pay off your loan from your monthly credit card sales.

  • Existing Tidal Merchant

    Not an existing merchant of ours? We can fix that. Get started today to learn more.

Meeting requirements does not guarantee funding.

Use your funds as you like

Put your funding towards opening a new location, hiring new employees or expanding your marketing. Your funds can be used however your business needs.

  • Fund your restaurant

    Need help starting a renovation? Hiring a new chef? Or just reaching out to your clients with marketing?

  • Fund your retail store

    Need a new POS? Want to hire more staff? Market more? Start with a loan and expand your business!

  • Fund your clinic

    Hiring more staff? Updating old equipment? Renovating your clinic? All this and more is possible with a little help. From us!

Support you can count on

Your flexible loan comes with a dedicated account manager so you know who to talk to for help and support with your billing or funding options.

Let’s grow your business together

Call or fill out our form online. Our sales team will be happy to walk you through the merchant lending process. We'll show you how our merchants take advantage of our merchant loans.

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