Best case in range
From 4.9% APR
up to 36 months
$50,000 over 36 months at 4.9% APR is about $1,498 a month. $200,000 at the same rate is about $5,990. That is the arithmetic at 4.9%, not what this company will pay.
Working capital for US companies
Up to $200,000 from 4.9% APR. No personal guarantee.
Term financing for existing US LLCs and corporations. Up to $200,000, from 4.9% APR, terms up to 36 months. Unsecured. Business documents only. A complete file is typically reviewed in 24 to 48 hours. Meridian is a broker, not the lender. Approval and final terms are never guaranteed. Up to $200,000 from 4.9% APR, up to 36 months. Unsecured. No personal guarantee. Review typically 24–48h. Not a guarantee.
How that offer is built
- Amount
- up to $200,000
- Rate
- from 4.9% APR
- Term
- up to 36 months
$50,000 at 4.9% / 36 mo $1,498 a month
That payment is the arithmetic at 4.9%, not your quote. The lender sets the rate, term and amount after review.
- Unsecured · no personal guarantee
- Business documents only, no owner ID or SSN
- Review typically 24 to 48 hours after a complete file
- US LLC or Corporation already formed
You finish on WhatsApp, in one tap. This is an application, not an offer of credit.
Process
Apply · company file · review · lender decides
Who can apply
US LLC or Corp, already formed
Guarantee
None. The lender decides
Documents
Company only, no personal ID
How it works
Meridian is a broker. We collect the company file, review it, and present it to a lending partner. The lender decides. Nothing here is an offer of credit.
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1
Apply
Name, role, legal company name, EIN, business address, year of incorporation, and how much you want, up to $200,000.
-
2
WhatsApp
You write first. We send a private link to the company document form.
-
3
Company file
Articles, EIN letter (SS-4 or 147-C), three months of business statements, bank letter or voided check.
-
4
Review
A complete file is typically reviewed in 24 to 48 hours. That is review time, not funding.
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5
Lender
If the file is ready, a person presents it to a partner. Final rate, term and amount are theirs.
The offer, with the conditions attached
Every figure on this page is a ceiling or a “from”, not a quote for your company. Meridian is not the lender.
Unsecured, no personal guarantee
Business documents only
No owner driver’s license, no SSN, no personal tax return. The lender underwrites the company. Approval is still not guaranteed.
up to $200,000 from 4.9% APR up to 36 months
Review of a complete file typically takes 24 to 48 hours. Funding, if a partner approves, follows their process after that. Meridian never quotes a wire date.
What we ask for, and what we do not
Required
Company file
Articles, EIN typed plus SS-4 or 147-C, three months of business bank statements, bank letter or voided check.
Asked, not blocking
Operating agreement or bylaws, months in business, monthly revenue. You can submit without them.
Never asked
Personal ID, SSN, personal tax returns, personal bank statements, personal guarantee.
Important: This is not a commitment to lend. A lending partner reviews the file and sets the rate, term and amount. Meridian does not charge an application fee. Anyone asking you to pay to unlock funds is a scam.
A good fit if you
- Own or can sign for a US LLC or Corporation
- Already have an EIN
- Have a US mobile on WhatsApp
- Can export business bank statements as PDF
- Want a term loan, not a cash advance pitch
Not a fit if you
- Have not formed the company yet, or have no EIN
- Are a sole prop or partnership
- Need a guaranteed approval or a quoted rate today
- Are applying from outside the United States
FAQ
Are you the lender?
No. Meridian is a broker. We prepare the company file and present it to a lending partner. The lender decides whether to offer terms, and what those terms are.
Is 4.9% APR guaranteed?
No. It is the best rate in the range we can take to a partner. Your rate, term and amount are set after review. The $1,498 figure is what $50,000 over 36 months costs at 4.9%, not a quote for your company.
Do I need a personal guarantee or my driver’s license?
No. This file is business documents only: articles, EIN letter, business bank statements, and a bank letter or voided check. Do not send a personal ID or SSN.
How fast do I get the money?
A complete file is typically reviewed in 24 to 48 hours. That is review time, not funding. If a partner approves, funding follows their process. We do not promise same-day money.
Is this a merchant cash advance?
No. It is presented as a term loan: from 4.9% APR, up to 36 months, unsecured. Final structure is the lender’s.
What if my company is new or revenue is low?
You can still submit. Months in business and revenue do not block the form. The lender may still decline. We do not guess the outcome in advance.
I only have a CP-575, not an SS-4 or 147-C.
We need Form SS-4 or an IRS 147-C letter. You can request a 147-C from the IRS Business & Specialty Tax Line at 800-829-4933. The CP-575 is not the slot we use.
Do I pay to apply?
No. There is no application fee. Anyone asking you to wire or send crypto to unlock funds is a scam.
Ready to check this company?
Two minutes, then WhatsApp. No fee. Not an offer of credit.
US LLC or Corp No fee Lender decides