Merchants Business Credit offers some of the most attractive and flexible asset-based lending programs available.

Its commercial real estate programs, in particular, offer clients some of the most competitive rates in the nation. 

Unlike traditional bank financing, where clients typcially get ‘Prime +1, +2, etc.,’ Merchants can offer its clients access to the capital markets.  By doing so, clients can often peg their rates to other, more commonly used indexes in real estate such as LIBOR, MTA, and COFI - in effect, lowering their mortgage rates between 1% to 3% - on average.  And, for those with good credit backgrounds, Merchants offers programs with 90% LTV and 95% CLTV!

In addition, for those clients with credit blemishes or who have ‘storied-circumstances,’ Merchants Business Credit offers some of the most flexible lending programs – often assisting even ‘non-bankable’ clients in obtaining the financing they need.