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MKG Money Service Business, Cash Advance Short Term Repayment Option Lender in Fresno, CA
MKG Enterprises Corp offers a marketplace of business financing options through partnership with Lendio, including term loans, lines of credit, merchant cash advances, and SBA loans for established businesses.
Data compiled from public sources · Rating from CreditDoc methodology
MKG Money Service Business, Cash Advance Short Term Repayment Option Lender Review
MKG Enterprises Corp operates as a business lending marketplace that partners with Lendio to connect small business owners with various financing solutions. The company positions itself as a one-stop shop for business loans, welcoming all for-profit businesses regardless of industry—from traditional retail to online and home-based ventures. Founded to streamline the business loan application process, the company claims applicants can apply in less than 5 minutes through their online platform.
The company offers a diverse range of business financing products with varying loan amounts and terms. Available options include Business Lines of Credit ($1,000–$250,000), Business Credit Cards ($1,000–$500,000), Business Term Loans ($5,000–$2,000,000), SBA Loans ($50,000–$5,000,000), Accounts Receivable Lines of Credit ($5,000–$5,000,000), Merchant Cash Advances ($5,000–$2,000,000), Equipment Financing ($5,000–$5,000,000), Commercial Real Estate Financing ($250,000–$5,000,000), Invoice Factoring (up to 80% of invoice value), and E-Commerce Financing ($5,000–$10,000,000).
MKG Enterprises Corp distinguishes itself by claiming to have no restricted merchant list and actively welcoming all legitimate for-profit businesses. The partnership with Lendio suggests access to multiple lenders rather than in-house underwriting. The company operates with clear eligibility criteria: businesses must have been operating for at least 6 months, maintain an active business bank account, and the owner must have a FICO score of 550 or higher with minimum monthly revenue of $10,000. Quick application turnaround is emphasized as a key differentiator.
This company is best suited for established small business owners seeking streamlined access to multiple lending options without a lengthy application process. The clear eligibility requirements and marketplace model suggest realistic underwriting standards rather than predatory lending. However, applicants should note that actual approval, terms, and rates depend on full underwriting and lender availability, which the website adequately disclaims.
Services & Features
Accounts Receivable Lines of Credit ($5,000–$5,000,000)
Business Credit Cards ($1,000–$500,000)
Business Lines of Credit ($1,000–$250,000)
Business Term Loans ($5,000–$2,000,000)
Commercial Real Estate Financing ($250,000–$5,000,000)
E-Commerce Financing ($5,000–$10,000,000)
Equipment Financing ($5,000–$5,000,000)
Invoice Factoring (up to 80% of invoice value)
Live chat customer support
Merchant Cash Advances ($5,000–$2,000,000)
Online loan application platform
SBA Loans ($50,000–$5,000,000)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Fast application process: claims applicants can apply for a business loan in less than 5 minutes
- Wide range of financing products available (9+ distinct loan types) in a single marketplace
- No restricted merchant list—explicitly welcomes all legitimate for-profit businesses regardless of industry
- Partnership with Lendio provides access to multiple lenders rather than single-source financing
- Clear, published eligibility criteria (6+ months in business, $10K+ monthly revenue, 550+ FICO) set realistic expectations
- Loan amounts range from small ($1,000 credit lines) to large ($5M+ commercial real estate)
- Live chat support available on website for immediate customer assistance
Cons
- Minimum FICO score requirement of 550 excludes borrowers with poor credit
- Minimum monthly revenue requirement of $10,000 excludes very early-stage or low-revenue businesses
- Website provides no specific information about interest rates, APRs, or typical loan terms
- Merchant cash advance products (which can carry high effective interest rates) are prominently offered alongside more favorable loan products
- Limited transparency on approval rates, average funding times, or actual borrower experiences
Rating Breakdown
Value 5.0
Effectiveness 3.0
Customer Service 3.5
Transparency 3.5
Ease of Use 3.7
Frequently Asked Questions
Is MKG Money Service Business, Cash Advance Short Term Repayment Option Lender legitimate?
Yes. MKG Money Service Business, Cash Advance Short Term Repayment Option Lender is a registered company, headquartered in 4021 N Fresno St Suite 107, Fresno, CA 93726.
Quick Facts
- Headquarters
- 4021 N Fresno St Suite 107, Fresno, CA 93726
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on MKG Money Service Business, Cash Advance Short Term Repayment Option Lender
MKG Enterprises Corp is best for established small business owners with 6+ months operating history, $10K+ monthly revenue, and 550+ FICO scores seeking fast access to diverse business financing products through a marketplace model. Main caveat: actual terms, rates, and approval depend on full underwriting; the website lacks transparency on specific APRs and typical borrower outcomes, and some products (merchant cash advances) carry notably higher effective interest rates than traditional term loans.
Best For
- Established small business owners (6+ months operating history) seeking quick access to multiple financing options
- For-profit businesses in any industry needing $5,000–$2,000,000 in term financing or lines of credit
- E-commerce and online businesses looking for growth capital without industry-based lending restrictions
- Business owners with fair credit (550+ FICO) and consistent monthly revenue ($10K+) who need fast underwriting
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (7 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest Rate
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Why it matters
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
How Loans Work
Cosigner — Loan Cosigner
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Why it matters
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
Loan Term (Tenor) — Loan Term / Tenor
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Why it matters
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
Origination Fee — Loan Origination Fee
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Why it matters
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
Principal — Loan Principal
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Why it matters
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
Underwriting — Loan Underwriting
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Why it matters
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to MKG Money Service Business, Cash Advance Short Term Repayment Option Lender and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.