What Merchants Solutions Inc does

Merchants Property Solutions (legal entity MCM Financial Services, a subsidiary of MCM Holdings, Inc.) is a private U.S. mortgage brokerage founded in 2011 and headquartered in Miami Lakes, Florida, with an additional regional office in Melville, New York. Operating under NMLS# 213236 and licensed in 40 states, the company originates residential and select commercial mortgages through a hybrid B2B/B2C distribution model that combines direct consumer marketing, a 14-step online loan application and 16-step digital quote request, seven online mortgage calculators, and a Preferred Partners referral network of accountants, CPAs, bookkeepers, realtors, and mortgage brokers supported by a real-time deal-tracking portal (gotopap.com).

The company's product portfolio spans agency-eligible programs (FHA, VA, USDA, Jumbo up to $2.5M–$3M, ARM, 15- and 30-year fixed, Reverse Mortgage, FHA 203(k) Rehab Loan) and a differentiated set of Non-QM specialty products targeted at self-employed borrowers and real estate investors — including DSCR Investment Loans, Bank Statement Programs (12/24-month), P&L Loan, Asset Utilization, iTIN Premier, 1099 Loan, and a Niche Occupation Program offering up to 5% down payment assistance grants for teachers, law enforcement, firefighters, paramedics, and healthcare workers. The technology layer is conventional web infrastructure (SSL-secured, PCI-DSS-compliant site, online pre-qualification, document upload, loan officer selection) without disclosed AI/ML capabilities or third-party model dependencies.

The business model is transactional: revenue derives from loan origination fees and the spread between wholesale lender rates and retail rates quoted to borrowers, with no disclosed subscription, SaaS, or recurring contract revenue. Customer segments are fragmented across individual homebuyers, self-employed borrowers, real estate investors, niche occupation professionals, and small-to-medium businesses — yielding a low concentration profile but also no enterprise anchor accounts. The parent group (The Accredited Group) reports having facilitated over $500 million in business financing, providing indirect scale context. Leadership consists of Branch Manager Manny Demonte (22-year industry veteran), Operations Manager Leeat Shalom, and Partner Relations lead Shnaida Martinsen; no venture capital, private equity, or M&A activity is documented.

Name

Merchants Solutions Inc

Legal name

MCM Financial Services

Website

https://merchantspropertysolutions.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Merchants Property Solutions is a U.S. mortgage brokerage (MCM Financial Services, subsidiary of MCM Holdings) founded in 2011, licensed in 40 states, originating agency and Non-QM loans — including DSCR, bank statement, and niche occupation programs — for self-employed borrowers, investors, and individual homebuyers via direct digital channels and a partner referral network.

Ownership category

akta.pro rank

Headquarters

HQ city

Melville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Loan Origination Fees: Revenue generated from originating mortgage loans. As a mortgage broker, MPS earns fees from lenders for placing loans, and may also charge origination fees to borrowers.
2. Interest Rate Spread: Margin between wholesale rates offered to brokers and retail rates offered to borrowers, representing a core revenue stream for mortgage brokerages.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Merchants Solutions Inc (d/b/a Merchants Property Solutions / MPS) is a mortgage brokerage that originates residential purchase, refinance, and specialty loan programs (FHA, VA, USDA, Jumbo, ARM, Fixed Rate, Reverse Mortgage, Rehab, and Non-QM offerings such as DSCR, Bank Statement, Down Payment Assistance, Cash Out Refinance, and Niche Occupation Program) on behalf of third-party lenders, and also provides Small Business Funding for property purchases, expansion, working capital, equipment, and inventory. The company is licensed to originate loans across 40 U.S. states and operates a dedicated B2B partner referral channel alongside direct-to-consumer origination.

Product overview

Merchants Property Solutions is a mortgage brokerage offering a comprehensive suite of loan products and digital tools. The portfolio includes purchase loans (FHA, VA, USDA, Jumbo, Adjustable Rate, 15-Year Fixed, 30-Year Fixed, Reverse Mortgage, Rehab Loan) and refinance options, with specialized Non-QM loan programs for self-employed borrowers including Bank Statement, DSCR Investment, P&L Loan, Asset Utilization, iTIN Premier, 1099 Loan, and Niche Occupation Programs. The company also provides digital tools including mortgage calculators and an online loan application platform, along with a partner portal for referral tracking and deal monitoring.

Differentiator

Problem solved

Functional benefit

Products and services

• FHA Home Loan

Quantifiable outcome

• Thousands of loans financed since 2011
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• MCM Financial ServicescoreStrategic or Co-development PartnerWholly-owned subsidiary of MCM Holdings, Inc. Provides lending services for Merchants Property Solutions. Note: 'Lending services are provided by MCM Financial Services, a subsidiary of MCM Holdings, Inc.'
• The Accredited GroupcoreStrategic or Co-development PartnerParent company that has 'successfully assisted thousands of businesses in securing over $500 million.' Manny Demonte serves as Head of the Mortgage Department at The Accredited Group. Website authorization references The Accredited Group context.
• Preferred Partners NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of preferred partners including accountants, CPAs, bookkeepers, consultants, realtors, mortgage brokers, and industry professionals who refer borrowers to MPS loan programs. Partners gain access to loan products and tracking technology.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• NewRez (New Residential Investment Corp.): Large non-QM and conventional lender offering a full product mix across retail and wholesale channels — comparable breadth to MPS's product portfolio but at vastly greater scale.
• Rocket Mortgage: Largest U.S. retail mortgage lender with fully digital application, rate-quote, and partner referral capabilities — the dominant scaled competitor to MPS in digital mortgage distribution.
• loanDepot: National retail and wholesale mortgage lender with broad conventional and non-QM product mix — competes with MPS across purchase, refinance, and jumbo programs.
• Caliber Home Loans: National mortgage lender with strong non-QM and bank-statement offerings serving self-employed borrowers — overlaps significantly with MPS's differentiated programs.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender operating through a broker channel — directly comparable business model to MPS as a broker accessing wholesale products.

Direct peers

• Better.com: Digital mortgage lender offering purchase and refinance loans online with self-serve application and rate quotes — directly comparable to MPS's digital pre-qualification and online application model.
• Angel Oak Mortgage Solutions: Non-QM mortgage lender specializing in bank-statement, DSCR, and alternative-documentation loans — directly comparable to MPS's core non-QM / self-employed product suite.
• Deephaven Mortgage: Non-QM wholesale and retail lender focused on self-employed, investor, and bank-statement borrowers — closely mirrors MPS's niche occupation and DSCR investment programs.

Emerging players

• Kind Lending: Growing non-QM and wholesale lender with strong focus on self-employed and bank-statement programs — an emerging competitor with similar specialization to MPS.
• Civic Financial Services: Non-QM wholesale and correspondent lender offering bank-statement, DSCR, and investor products — closely comparable niche specialization to MPS's core offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php?id=61554506452782
• LinkedInlinkedin.com/company/getmps
• Instagraminstagram.com/getmps_?igshid=NzZlODBkYWE4Ng%3D%3D

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Merchants Solutions Inc