Merchant Cash Advances
On Your Terms
Northern VA's Most Reliable Merchant Cash Solution
Merchant Solutions
for Your Company's Needs
When the banks say no, we say yes! Merchants will receive quick and easy service from start to finish. Merchant Capital Direct is a complete turnkey solution for every business owner. Merchant Capital Direct provides merchant cash advances, credit card processing, as well as gift and loyalty programs. Call now to learn how you can get cash today!

We Say Yes, So Your Business Can Grow
We understand that your need for cash is a reality of doing business. But unlike banks, the reason you need the cash is not our concern, nor is your personal credit history. Our primary concern is enabling you to access the value of your future Visa and MasterCard credit card sales in exchange for cash today!
At Merchant Capital Direct, you will receive a cash advance that fits your unique business needs. You’ll also find the professionalism, compassion, and experience that enable us to serve you in the way that you need it most. Please contact us directly to answer any questions you may have.
A Payment Schedule
Based on Business Success
We know that it takes money to make money, and we are here to provide you with the cash you need to expand your business. Our cash advance products do not require fixed payment schedules; instead, our collections are based on the success of your business.
A Merchant Cash Advance from Merchant Capital Direct gives you the ability to successfully manage your working capital, which is key to your overall success. Many businesses struggle to maintain enough working capital. Every Business experiences periods of limited cash flow and needs access to extra money to operate successfully. If your business has a need for capital, we are your solution!
Established in 2008
We at Merchant Capital Direct strive to provide an incredible experience for each of our clients. We offer a direct relationship with ClearPay Processing and Merchant Capital Source. We enjoy working closely with each merchant and understanding their needs and how we can help increase profitability for everyone.
Our Merchant Services
MERCHANT ACCOUNT
Accepting credit cards is crucial to your business. Credit card sales promote larger ticket sales, provide convenient payment to your customers, enhance your credibility, and help you stay competitive. We provide multiple payment processing solutions for internet, phone, and mail-order merchants. We offer a wide variety of terminals and equipment, and can also work with existing POS equipment.
DEBIT ACCEPTANCE
ATM and debit cards provide merchants with an additional means to accept non-cash payments from customers. Debit cards help your sales by stimulating impulse buys of large ticket items, making for larger ticket amounts. This payment method is especially valuable for customers who do not have credit cards and would otherwise have to pay by check or not purchase at all. ClearPay provides all the equipment you need.
INTERNET GATEWAYS AND VIRTUAL TERMINALS
We provide payment processing for internet, phone, and mail-order merchants, utilizing Authorize.net and Charge Anywhere. These sales solutions are intended for merchants that do not have a physical storefront; we include a secure, browser-based interface to authorize, process, and manage credit card transactions from any computer that has Internet access. We also link a shopping cart from your website to our gateway.
WIRELESS OPTIONS
Are you a general contractor or run your business on the go? ClearPay provides your business with many wireless options to accept payments wirelessly while still enabling you to benefit from low-cost, swiped card-present processing rates. We offer a wide range of solutions, including smart phone card readers and wireless terminals.
CASH ADVANCE
We can enable you to use the power of your existing credit card sales to get the cash you need today—without the hassle and frustration of applying for a small business loan. We offer merchant cash advance services to serve the needs of merchants, small businesses, and restaurants in ways that traditional business lenders, including banks, cannot.
PCI COMPLIANCE
The Payment Cardholder Industry Data Security Standard (PCI DSS) was created by Visa®, MasterCard®, American Express®, and the Discover® Network to protect cardholder information and reduce data theft. PCI DSS establishes and enforces security requirements for members, businesses, and service providers. PCI applies to everyone involved in credit card processing.
CHECK SERVICE
Merchant Capital Direct enables you to securely accept checks from your customers. Point of Sale Conversion enables merchants to process checks electronically, just like a credit card.
GIFT CARDS
Our Gift and Loyalty card packages serve as great tools for small to medium-sized businesses that are looking to attract new customers, retain existing ones, increase cash flow, minimize cashback, and generate store traffic. The set-up process is very simple, the packages are delivered to your office in a matter of days, and transaction processing is easier than ever.
POINT-OF-SALE EQUIPMENT
With over 100 different brands and equipment types, it is cumbersome for a merchant to determine what equipment suits their business best. Let one of our specialists point you in the right direction. Whether you accept checks, debit cards, gift cards, or any other value-added resource, we will ensure that you receive the right terminal or other equipment solution.
Merchant Cash Advances
For All of Your Business Needs
If you have operated your business for more than nine months and process over $5,000 per month in Visa or MasterCard, then you are eligible for our financing. Take advantage of the ability to unleash the growth potential of
your business with additional working capital for:
About Our Founder Jim Harrington
With a proven, successful record as a young entrepreneur, Jim Harrington built a global financial services company from the ground up. His qualifications include expert knowledge of the financial industry since 1989, with a constant focus on client satisfaction and profitability.
The Lenders that MCD works with are the best in the industry. You can count on honesty and professionalism in every aspect of the commercial loan process when you choose us.
How Merchant Capital Direct Works
We purchase a set dollar amount of your business’s future Visa or MasterCard sales at a discount, and in exchange, we pay your business cash today! Then, through an automated process, we seamlessly collect the agreed-upon amount by taking a small percentage from each Visa or MasterCard transaction. Basically, we get paid as you get paid!
MCD prides itself on its flexibility. MCD structures each merchant advance to fit the unique operating and revenue circumstances of every customer.
Our goal is to get working capital in the hands of your business quickly while structuring the holdback percentage to meet your business’s ongoing operating requirements. Our financing program has become an important alternative to traditional bank lending as a source for short-term funds.
Complete Our Loan Application
Complete Our Loan Application
Frequently Asked Questions
Do you have questions about our company or merchant cash advances? Find the answers below.