Company overview
HQ · Huntington Beach, CA
Merchant cash advanceTerm loan
Merchant Capital Source LLC, now operating as Zinch, is a California‑based direct lender that provides revenue‑based financing through merchant cash advances and short‑term business loans. It uses its own capital to fund deals, offering streamlined approvals typically within 24 hours and serving Main Street businesses nationwide.
Company focus
- Headquarters
- Huntington Beach, CA
- Founded
- 2004
- Employees
- 11-50
- Specialties
- direct funder (uses own capital), fast funding/approvals, rebranded to Zinch in 2021
Third-party reputation
- Reported research
- BBB rating B- with a complaint about non‑response; Trustpilot rating 4.5/5 from 528 reviews showing mixed feedback; recent debt‑collection lawsuit in Orange County, no regulatory actions noted.
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.