Merchant Tree Financial Services
“Can a regional ISO and merchant services reseller become the go-to financial services partner for small businesses in the Michigan market by bundling payments, capital, and POS under one roof?”
Merchant Tree began as a Michigan-based merchant card-processing reseller and registered ISO of Fifth Third Bank, N.A., serving small businesses, franchises, and hospitality merchants. It expanded beyond pure payment processing to offer merchant cash advances by teaming up with third-party funding institutions, positioning itself as a broader small business financial services provider. The company also launched a co-branded payment services portal in partnership with Citizens State Bank, deepening its embedded finance distribution through community banking channels.