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Independent funding guidance for American small businesses. We match owners with vetted capital partners and stand by them long after the money lands.

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MerchantGuidance is an independent matching and guidance service, not a lender, broker, or financial advisor. We do not make funding decisions, set rates, or guarantee approvals. All funding products are offered by third party partners and are subject to their underwriting criteria and terms. Checking your options through MerchantGuidance does not affect your credit score. Funding speed, amounts, and approval rates referenced on this page reflect typical outcomes across our partner network and individual results will vary. Owner stories reflect individual experiences and are not a guarantee of similar outcomes.