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.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.
I've been working with these folks for several years...and they are hands down the best at making it happen when I need it. Mike Rocco is a man of his word...and I have to put in a plug for Teri as well. This company is great work with.
Great company that is easy to do business with. Great service.
Super Fast funding! Will definitely go back to Zinch if I need another advance in the future. They were super easy to work with too, being a business owner its hard to step away and be on the phone at times. They were very considerate of that and handled most everything through email or text messages.
I tried to work with this company for funding based on their advertising. I was initially told I qualified, then later their underwriters declined me. Was frustrating to say the least. So I decided to go with another lender and sent the same docs, everything and was approved.
Hi Liz, thank you for writing your review. I'm sorry you had a frustrating experience with us. We always aim to deliver a great experience and to get almost everyone funded. We do check everything thoroughly, and have certain qualifications. Again, I'm sorry your needs weren't met. If you would like to further discuss this please feel free to reach out at 714-500-6633 or email [email protected]
The process was quick & efficient. I really appreciate how professional all involved were to obtain the advance.
Great to work with and Happy on my renewal!!
The application process is really fast and funding was within 24hrs of application. Thank you.
The entire process was super quick and such a positive experience. Thank you. Hope to work together again.
I have had the greatest experience with Zinch. They are the easiest to work with. I would recommend them to anyone. If you need a business loan give them a try!
THIS WAS THE EASIEST FINANCIAL TRANSACTION I HAVE EVER HAD
Your team did a great job. Thank you
Zinch had no origination fee; gives a month end statement regarding your account; gives a customer service email and phone number; and also accepts prepayment discounts and lets you know ahead of time what your discount will be. Over all, very well done and very thorough experience.
I have used Merchant Capital Source over four times. Easy to deal with and great rates. I highly recommend MCS!!! Arthur
Whole process was easy and quick! My business received funding with in 1 day! I highly recommend Merchant Capital Source for your funding needs!
We really appreciate you taking the time to share your rating with us. We look forward to assisting you in the near future!
Informative and helpful staff. Easy to understand process from start to finish. Thank you.
We're happy to hear that you had a 5 star experience with us. Thank you for sharing your rating.
Ryan was top notch and a pleasure to work with. Straight up and honest through the whole process. He was flexible with my schedule and always available! I tell everyone about merchant capital.
We're happy to hear you were highly satisfied. Thank you for sharing your review with us!
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