About Zinch

The team at Zinch has been providing fast and convenient financing solutions for small businesses since 2004. Formerly known as Merchant Capital Source, our goal has always been to make financing inclusive: offering solutions that are easy to understand and use. We are in the business of helping small businesses thrive.

A Pioneering Spirit

Weʼve always followed our own best instincts, and in the process, we became pioneers in the small business direct-lending sector. Throughout our history weʼve worked with American small-businessmen and women from a hugely diverse spectrum of industries, helping them fund their business operation and growth. Weʼve been through a lot with our customers, and weʼve always found ways to help. Whether it was the Great Financial Crisis of 2009 or the more recent COVID-19 crisis and shutdowns, we continued to find ways to work with business owners, even when most banks didnʼt. In a nutshell, thatʼs just what we do.

That said, we are always looking to reinvent ourselves to provide more service, and a better experience for our clients. Our name change is a reflection of our focus on customer ease and simplicity, and a focus on transparency in a business that needs more of it. We think the Zinch name will also position us well to diversify the kinds of financing solutions we provide to our small business partners. Weʼre in this for the long haul, and glad to have you on board with us!

Our Mission

Our mission is to make small business financing readily available and inclusive and make all our processes easy and transparent.

Values

We value initiative, hard work, and perhaps above all, fair play.
We believe in equal opportunity and our business is committed
to making it happen.

Our Story

2005

Zinch is founded as one of the pioneers in providing Merchant Cash Advances under the brand Merchant Capital Source

2006

Zinch secures partnerships with major payment processors to provide flexible payments to merchants by collecting seamlessly from credit card sales.

2007

Zinch launches its proprietary scoring model Zinch™ - a first step towards departing from traditional credit assessments and underwriting.

2012

Zinch becomes a California Lenderʼs Licensee which allows us to introduce other business loan products to serve merchants that do not typically sell using credit card terminals.

2018

Zinch is acquired by Prisma Capital, a California based investment company focused on tech-enabled financial services.

2019

Following its acquisition, Zinch strengthens its operating team and makes  substantial investments in systems and data analytics to move to a data driven scoring model.

2021

Zinch reaches $300m in fundings having served 10,000 merchants and the company completes its rebranding from Merchant Capital Source to Zinch.

2005

Zinch is founded as one of the pioneers in providing Merchant Cash Advances under the brand Merchant Capital Source

2006

Zinch secures partnerships with major payment processors to provide flexible payments to merchants by collecting seamlessly from credit card sales.

2007

Zinch launches its proprietary scoring model Zinch™ - a first step towards departing from traditional credit assessments and underwriting.

2012

Zinch becomes a California Lenderʼs Licensee which allows us to introduce other business loan products to serve merchants that do not typically sell using credit card terminals.

2018

Zinch is acquired by Prisma Capital, a California based investment company focused on tech-enabled financial services.

2019

Following its acquisition, Zinch strengthens its operating team and makes  substantial investments in systems and data analytics to move to a data driven scoring model.

2020

Headquarters are relocated to Ocean Plaza tower in 2020 Huntington Beach.

2021

Zinch reaches $300m in fundings having served 10,000 merchants and the company completes its rebranding from Merchant Capital Source to Zinch.

2005

Zinch is founded as one of the pioneers in providing Merchant Cash Advances under the brand Merchant Capital Source

2006

Zinch secures partnerships with major payment processors to provide flexible payments to merchants by collecting seamlessly from credit card sales.

2007

Zinch launches its proprietary scoring model Zinch™ - a first step towards departing from traditional credit assessments and underwriting.

2012

Zinch becomes a California Lenderʼs Licensee which allows us to introduce other business loan products to serve merchants that do not typically sell using credit card terminals.

2018

Zinch is acquired by Prisma Capital, a California based investment company focused on techenabled financial services.

2019

Following its acquisition, Zinch strengthens its operating team and makes  substantial investments in systems and data analytics to move to a data driven scoring model.

2020

Headquarters are relocated to Ocean Plaza tower in 2020 Huntington Beach.

2021

Zinch reaches $300m in fundings having served 10,000 merchants and the company completes its rebranding from Merchant Capital Source to Zinch.

Contact us at:
sales@zinchfin.com

Telephone: (866) 969-7878

Hour of operation:
Monday- Friday
9am to 6pm (PT)

Our office:
695 Town Center Dr. Ste. 1200
Costa Mesa, CA 92626

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