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What You Need, When You Need It Merchant Funding

When you work with us, you become part of the family. We’re not just about helping you get the funds you need to grow. We use our expertise to help you move your business forward, maximize your profits, and take your business to the next level—for the long term. Our goal is to see every business owner become a successful business owner.


Our Company Story

Growing up, we spent our summers working in small businesses, and today, both of our wives run businesses of their own.

We understand the needs of small businesses—both the daily grind, and the need for funding to get where you want to go. We merged our talents, experience, and passion to create IRM Capital.

"We are childhood friends, family men, avid sports fans, and most important, pro-entrepreneur."


We Provide Business Lending Solutions Across Multiple Industries

As one of the pioneers of the merchant cash advance industry, we’ve helped thousands of businesses get hundreds of millions of dollars in cash advances. We’ve worked with a wide variety of industries, including retail, healthcare, law practices, the tech world and much more. You name it, we’ve helped finance a business in that sector. From grocery store financing in the food retail space, to helping attorneys get their practices up and running with a law office business loan, to other small businesses, we’re here to help you grow. Our clients know they can rely on us; that’s why they choose us as their go-to financing partner time and time again

Transportation Financing

Lease or purchase the vehicles you need to keep your business on the road and moving forward. Our transportation financing has helped many businesses expand their reach, serve more clients and grow their business significantly.

Retail Business Funding

Purchase inventory, support marketing expenses, cover flexible staffing needs, and more. Whether it’s a supermarket in need of a grocery store business loan to help them scale or a fledgling llc in the tech sector in need of technology startup financing, our team can help

Medical Practice Funding

We provide physicians and doctors with the small business funding they need to start or grow their medical practice. From attracting top level professionals to join the team at their offices to acquiring new practices, adding new locations and purchasing new equipment, our medical practice loans fund growth and development.

Restaurant Equipment Funding

Making your restaurant more efficient and ready to scale food production is as simple. We’ll provide the restaurant equipment loan you need to purchase or lease the ovens, stoves, refrigerators or other equipment that keep your business cooking.

Grocery Store Financing

Need funding for more inventory or a bigger marketing budget? Maybe it’s a location for your grocery store or convenience store that needs financing. We’ll guide you through your grocery store business loan options and help you determine what works best for the business.

Liquor Store Financing

Wine and spirit merchants looking to buy, finance or refinance a liquor store space can take the next step in growing their business with a liquor store business loan. Stock the shelves with in-demand inventory, staff your business and much more. We’re here to fund and guide you every step of the way.

Accounting Office Funding

CPA’s looking to build their firm often do so by acquiring new office space, staff and essential software. They can rely on our accounting office loan project services to accomplish all this and more. Having sufficient funding for your accounting office can help take the business to the next level.

Technology Start-Up Financing

Tech companies are in one of the most competitive industries today, which is why having the right team, equipment and resources is so crucial to success in this sector. Our technology start-up loans help business owners propel their start-up from the nascent stages and to being a full-on contender.

Law Office Funding

Get the financing you need to kickstart or grow your Legal Practice. A law office business loan can help fund growth, from acquiring new office spaces and practices to attracting the right talent to your team to furnishing your office and purchasing the right tech to run your business at its best.

Funeral Homes Financing

Finance your acquisition initiatives, office and building renovations, property maintenance projects, and get the capital needed to continue expanding. Our funeral home office loan programs have helped many businesses continue their upward trend of growth

Delivery Service Project Loans

Secure the right insurance policies, staff your fleet and invest in the vehicles and transportation that will make your business a success. Get your delivery service company operating at its best with our delivery service start up financing programs. We’ll take on the financing so you can focus on growing your operations.

Client Testimonials


We're with you every step of the way

Fast & Easy Application Process, As easy as 1, 2, 3

Step 1:

Submit our easy, one-page application. Risk free, no obligation loan application.

Step 2:

The same day, our expert advisors present you with an offer, with no obligation to you.

Step 3:

Accept our offer, and your money will be transferred directly to your account within 24 hours.

Start your application now