What the Company Is

Premium Merchant Funding is a financing broker and funding platform that helps small businesses find capital solutions. It is not presented as a single-product lender; instead, it offers access to several funding options and related business services through one place.

Background and Scale

Premium Merchant Funding was founded in 2014 and is based in New York City. According to the company, it has helped fund businesses at a large scale, and public sources indicate it funded $1.33 billion on its platform in 2024. The company also says it has over 500 funding specialists and offers 15 financing options.

Business Model

Its model is built around matching businesses with the right funding product and, in some cases, acting as a direct lender or working with a network of lending partners. From a customer's point of view, the process is simple: a business applies, shares basic financial information, and is then matched with financing options such as merchant cash advances, term loans, SBA loans, equipment financing, factoring, purchase order financing, and commercial mortgages.

The company appears to earn money through financing activity and related business services, while also offering add-on services such as credit card processing, payroll, SEO, web development, and credit repair. It promotes fast decisions and funding, including claims of funding in as little as 48 hours and unsecured funding up to $20 million.

Who It Helps

Premium Merchant Funding mainly works with small and midsize businesses that need flexible funding and may not fit traditional bank standards. It says it helps businesses with bad credit, higher-risk profiles, or urgent cash flow needs, and it is positioned for owners looking to grow, buy equipment, refinance debt, or manage working capital.

The company's focus is on businesses that value speed, flexibility, and access to multiple funding paths rather than a single loan product. In simple terms, it tries to help businesses that need money quickly to keep operating, expand, or handle short-term financial pressure.