HMG Loan
The process was simple and the funds were in my account in less than 24 hours. Thank you.
By Jeffrey
Sunday, November 8, 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.
393 approved reviews, newest moderated first
The process was simple and the funds were in my account in less than 24 hours. Thank you.
By Jeffrey
great people to work with been doing business with them about 8 years know
By Chris H.
Easy to work with and also very responsive to our needs!
By Kyle P.
I will not recommend this type of loan to any business
By Gladys M.
Response from Zinch· Aug 17, 2023
Hi Gladys, Thank you for your recent application and for sharing your feedback. We apologize for any disappointment caused by the outcome of our underwriting process. Please understand that our decision is not a reflection of your worth, and we genuinely appreciate your interest in our services. Our underwriting process is designed to ensure the financial well-being of both our customers and our institution. Please feel free to reach out if you have any questions or need guidance on steps you can take. We're here to support you on your financial journey and look forward to assisting you in the future.
Easy process and low payments made zinch the smarter choice at this point of business growth
By Miguel
They are always helpful in lending money when you most need it. I been using them since 2017 and I wouldn't go anyplace else.
By Alex
Have been using them for years, they make it so easy and fast to get working capital whenever I need it! jeff
By jeff
Very good with
By Hiromi 高.