C

CFG Merchant Solutions

Provides working capital financing for SMBs

Overview

CFG Merchant Solutions is a U.S.-based specialty finance and alternative lending platform that provides working capital to small and mid-sized US businesses that have been underserved by traditional banks. It uses its own historical transactional data, underwriting models, predictive analytics, and electronic payment technologies to assess risk and deliver flexible, timely funding. The loans are designed to match business needs such as buying inventory or equipment, bridging seasonal gaps, expanding operations, or boosting marketing. The company differentiates itself by focusing on underserved merchants and using data-driven, tech-enabled underwriting and payment integrations to offer faster and more tailored financing. Its goal is to help small and mid-sized merchants access capital to grow their businesses when traditional financing is hard to obtain.

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About CFG Merchant Solutions

Simplify's Rating
Why CFG Merchant Solutions is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

FintechFinancial Services

Company Size

51-200

Company Stage

Debt Financing

Total Funding

$175M

Headquarters

New York City, United States

Founded

2015

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Simplify's take

What believers are saying

  • CFGMS opened its first Miami office on July 7, 2026, expanding Southeast coverage.
  • October 16, 2026 SOC 2 Type II completion supports institutional sales and partner trust.
  • The $145 million credit facility and $30 million note supply capital for growth.

What critics are saying

  • Lernalabs sued CFGMS in January 2026, exposing partner-dispute and contract-enforcement risk.
  • Merchant cash advance underwriting faces repayment friction; Complete Auto Repair lost in court, November 2024.
  • If compliance disclosures trigger enforcement, state regulators can compress margins and stall expansion.

What makes CFG Merchant Solutions unique

  • CFGMS pairs broker-first funding with 24-hour ISO coverage across all 50 states.
  • Its 2026 SOC 2 Type II exam differentiates it on data-security controls.
  • The company builds state-specific sales-based financing pages for Virginia, Kansas, and Missouri.

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Funding

Total Funding

$175M

Above

Industry Average

Funded Over

3 Rounds

Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Debt Funding Comparison Coming Soon

Company News

Africa SMB Journal
Jul 7th, 2026
CFG Merchant Solutions announces opening of first Miami office.

CFG Merchant Solutions announces opening of first Miami office. Miami, Florida, July 07, 2026 (GLOBE NEWSWIRE) - CFG Merchant Solutions(R)(CFGMS), a leading provider of alternative business financing solutions, is proud to announce the opening of its first Miami office at 252 NW 29th St, Miami, FL, marking a significant milestone in the company's continued national expansion. The launch of the Miami office reflects CFGMS's strategic growth and commitment to expanding its presence in key financial and entrepreneurial markets across the United States. Miami has long been an established hub. Including for finance, technology, and small business innovation, making it a natural and strategic addition to the company's expanding footprint. Expanding CFGMS's National Presence Opening a Miami office allows CFG Merchant Solutions(R) to better serve ISO Partners and small business clients throughout Florida and the Southeast. This location further strengthens CFGMS's local presence and broker-first approach in the Florida market. The new location provides a collaborative environment designed to support relationship-driven growth, operational efficiency, and continued investment in talent. "Miami represents energy, opportunity, and innovation. Establishing our first office here strengthens our ability to connect with partners on the ground while supporting the growing demand for flexible working capital solutions in the region," mentions Bill Gallagher, President of CFGMS. About CFG Merchant Solutions(R) CFG Merchant Solutions(R) is a leading alternative funding provider offering flexible financing solutions designed to help small businesses grow. With a focus on speed, transparency, and strong broker relationships, CFGMS delivers customized capital For questions or more information, please contact: Legal Disclaimer: EIN Presswire provides this news content "as is" without warranty of any kind. Africa SMB Journal do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the author above.

Associated Press
Apr 14th, 2026
CFGMS hires Simon Gould as independent ISO manager to strengthen partner relations

CFG Merchant Solutions has appointed Simon Gould as an Independent ISO Manager and Sales Representative. Gould brings over a decade of experience in revenue-based financing and alternative business funding to the role. In his new position, Gould will focus on ISO development, partner onboarding, managing sales opportunities, and maintaining communication with ISO partners. His experience in structuring working capital solutions aims to enhance CFGMS's service to small and mid-sized businesses nationwide. CFGMS provides revenue-based financing for businesses across all 50 US states through an all-in-one funding platform. The company assigns dedicated sales representatives to ISO partners within 24 hours of application and supports them throughout the financing process.

deBanked
Aug 24th, 2025
CFG Merchant Solutions is excited to announce the launch of a brand-new loan product offering for Texas, with plans to roll out to more states in the near future.

CFG Merchant Solutions is excited to announce the launch of a brand-new loan product offering for Texas, with plans to roll out to more states in the near future.

Yahoo Finance
Mar 8th, 2024
CFG Merchant Solutions Upsizes Corporate Note to $30.0 Million

NEW YORK, NY / ACCESSWIRE / March 6, 2024 / CFG Merchant Solutions, LLC ("CFGMS" or the "Company"), a technology-enabled specialty finance and alternative funding provider, announced the upsize to $30.0 million of its investment-grade corporate note. ...

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