As always
As always, immediate attention and very fast funding.
About Zinch
Data updated- Website
- www.zinchfin.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Replies to negative
- 88% (7/8)
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About this business
Formerly known as Merchant Capital Source, the team at Zinch has been providing fast and convenient financing solutions for small businesses since 2004. Our goal has always been to make financing inclusive: offering solutions that are easy to understand and use. With our focus firmly on financial flexibility, weʼre in business to help small businesses thrive.
Written by the business, not verified by us.Is Zinch legit?
Zinch (www.zinchfin.com) has a 4.7 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 92% rating it 4 stars or higher; The business has replied to 88% of negative reviews. Last updated 2026-08-31.
What people say
Efficiency and a simple process
Efficiency and a simple process. Very fair rates Thank uou
Very easy to get funded
Very easy to get funded. Nice and very helpful people!
Deceptive practices with respect to…
Deceptive practices with respect to rates and early payoff periods when they notify you that you are eligibility to renew your loans.
Reply from Zinch2023-10-27
We apologize for any misunderstanding regarding the funding amount you received, and we're truly sorry to hear that you felt there were deceptive practices with respect to rates and early payoff periods. At Zinch, we are committed to transparency and a straightforward process for our clients. A customer representative will contact you to address your concerns, and if you remain unsatisfied with the resolution, we are prepared to revisit the transaction.
I trust ZINCH with my finances
I trust ZINCH with my finances, every time I have a tough time or need to do improvements in my business I can always count on them. ZINCH is the best company I've ever deal with.
fast
fast, cordial, polite, and easy
I was told 24 funding signed papers and…
I was told 24 funding signed papers and was funded 5 days later . They missed my conditional request for funding to be funded in Sept . 2023 . I signed papers on sept 28 and was not funded until Oct . 3rd. I was told it was an interior issue with Zinch and they couldn't send out wires . I passed on other offers because I did business with you in the past, but you disappointed and didn't make my funding date in Sept banking . As a financial company you understand that timing is everything , you let me down and have effected my banking records . Very unprofessional and I will not be using your services again .
Reply from Zinch2023-10-12
We are sorry to hear about your experience, and we genuinely apologize for any inconvenience you've faced. We understand the importance of timing, especially in the financial industry. We take your feedback seriously and are actively working to improve our processes to ensure that such delays do not occur in the future. Please feel free to reach out to our customer support team, and we'd be happy to discuss your specific situation and explore how we can assist you in the future. Your satisfaction is important to us, and we value your business.
Great service ,
Great service , Awesome communication on their part , in a timely manner
It used to be a good company to do…
It used to be a good company to do business with. I done several advances with them. Today, I found out that instead of taking the agreed % of my deposit, they took the WHOLE deposit for the last 10 days, and now my account is short and incurring overdraft fees. I tried to talk to a supervisor and only got their machine and no return call. They also changed my log in information so I was not able to see the transactions. This company in very sketchy. I will no longer do business with them, and suggest that no one else does either
Reply from Zinch2023-10-12
I'm sorry to hear about your recent experience. However, it appears that the issue you described is related to your payment processing company, not our services. We recommend reaching out to them directly to address the matter. We value your past business and hope that you can resolve this matter satisfactorily with your payment processing company. If you ever decide to reconsider our services in the future, we would be happy to assist you once again. Please accept our sincere apologies for any inconvenience you've experienced, and thank you for your past support.
Professional and easy to deal with.
They are great
They work with my easily
Fast and friendly service.
The financing with Zinch is super simple and fast. They are amazing to work with. I will continue to work with them because everything is so straight forward.
great people to work with
great people to work with been doing business with them about 8 years know
HMG Loan
The process was simple and the funds were in my account in less than 24 hours. Thank you.
Efficient & Friendly Service
Easy to work with and also very responsive to our needs!
I will not recommend this type of loan…
I will not recommend this type of loan to any business
Reply from Zinch2023-08-17
Hi Gladys, Thank you for your recent application and for sharing your feedback. We apologize for any disappointment caused by the outcome of our underwriting process. Please understand that our decision is not a reflection of your worth, and we genuinely appreciate your interest in our services. Our underwriting process is designed to ensure the financial well-being of both our customers and our institution. Please feel free to reach out if you have any questions or need guidance on steps you can take. We're here to support you on your financial journey and look forward to assisting you in the future.
Easy process and low payments made…
Easy process and low payments made zinch the smarter choice at this point of business growth
They are always helpful in lending…
They are always helpful in lending money when you most need it. I been using them since 2017 and I wouldn't go anyplace else.
Have been using them for years
Have been using them for years, they make it so easy and fast to get working capital whenever I need it! jeff
Truly The Best in the Business...
I've worked with This Company for several years. The Process is simple and straight forward... I have always felt like I'm the only client they're dealing with at any juncture whether during request for, funding for and Managment of the loan itself... their follow up and attention to your needs throughout is impeccable and professional on all levels. I know all of their service specialists and if needed they find a solution to help you continue your success as the number one facet of the entire relationship. If you are looking for this type of loan, don't wast time with the other companies because they Prey upon people where I get the feeling Zinch/MCS Prays for their clients instead! Thank You Sydnie Kim especially, fast friendly and done...! Just like that!!
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