About Us
Premium Merchant Funding 18 LLC is a direct lender and fintech company headquartered in New York's Financial District, engineering capital solutions for businesses nationwide.
Our Story
Located at 55 Water Street in the heart of Lower Manhattan, Premium Merchant Funding 18 LLC was founded on a single conviction: businesses deserve direct access to capital without unnecessary intermediaries.
Our name carries intention. "Water Street" speaks to the mercantile history of New York — where commerce has flowed for centuries. The "18" represents precision and calibration. Together, they define our approach: structured capital that moves like water through the modern financial system.
As a direct lender, we control the entire funding process. No brokers. No middlemen. This means faster decisions, better terms, and a transparent relationship from the first conversation to the final payment.
Our Approach
We think of capital as infrastructure — invisible plumbing that keeps commerce flowing. Payment rails, processing networks, digital ledgers. Money moves through pipes you never see, and our job is to ensure that flow never stops.
Our technology platform evaluates businesses in real time, combining traditional financial analysis with modern data intelligence. The result: funding decisions that are both fast and sound.
Every product we offer is structured to align with your business rhythm. Revenue-based financing that adjusts to your cash flow. Working capital that matches your operating cycle. Equipment financing that puts growth tools in your hands without depleting reserves.
Our Values
Every term, fee, and condition is disclosed upfront. We believe clarity builds lasting partnerships.
Speed without shortcuts. Our proprietary systems deliver rapid decisions backed by rigorous analysis.
We invest in systems that make capital allocation smarter, faster, and more accessible for every business.
We succeed when our clients succeed. Every funding decision is made with long-term business health in mind.
Direct lending means direct accountability. We stand behind every commitment we make.
Markets change. Businesses evolve. Our solutions are engineered to flex with your trajectory.
How We Work
Submit your funding request through our streamlined digital platform. Minimal documentation, maximum efficiency.
Our technology platform analyzes your business in real time — revenue patterns, growth trajectory, operational health.
Receive a clear offer with transparent terms. No hidden fees, no ambiguity. Review at your pace.
Capital deposited directly into your business account. The infrastructure works — you focus on growth.
Connect with our team to explore funding solutions built for your business.
Contact Us