Such a quick and easy process!
Such a quick and easy process!
By Gemma B.
Monday, November 9, 2026 · Customer reviews of US businesses

The Fair Hearing score
Excellent
393 reviews
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Honesty, pricing, process and quality scores appear once 5 customers have rated them.
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 The Fair Hearing, with an average rating of 4.8 out of 5.
Showing 357 reviews with 5 stars · Clear filters
Such a quick and easy process!
By Gemma B.
Painless and helpful service. MCS makes it easier than I thought! Will definitely use them again.
By Francisco C.
If you need a cash advance on future credit card income, this is the company to use.
By SET
MCS has been great to us. They really understand the day to day operations of small business and their need for having a trusted lending/advance partner. Their rates are respectable and their customer service is outstanding. We highly recommend MCS.
By Sandra C.
real happy the way it was handle
By William f M.
We have worked with Merchant Capital on three occasions. Each time I have found them to be straightforward and easy to work with. I have never felt like I was being played or brushed off. Definitely would work with them again.
By Patrick L.
I have had multiple loans with Mcs and they do not waste my time, i get funded in 72 hrs max if all the required documentstation is in order. I would recommend them to anyone.
By Maritza R.
MCS has been our go to company for 2 yrs and they always come through for us within 24 hrs. We highly recommend MCS to anyone looking for working capital or purchase power.
By Crystal A.