Qualified businesses can be funded in as little as 24 hours. Built for established owners doing $60K+ a month who need a straight answer.
Start my fileFast funding
You apply, statements get reviewed, an offer comes back, and once you sign, funds move, all through our partner, Merchant Fund Express. Clean files move fastest.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
5 minutes to apply, about 3 months of bank statements, no tax returns. Less to collect means less waiting.
Starting with a soft pull keeps it simple. FICO 500+ considered, and revenue carries real weight.
Your full repayment amount is shown in the offer before you accept, so the decision does not stall on fine print.
Your repayment schedule is laid out in the offer up front. No surprise costs after you sign.
"In as little as 24 hours" is the real number for qualified businesses. It is the fast end, not a promise for every file. Here is a typical run when nothing gets stuck:
Fix those three and you give your file the best shot at the fast end.
A bank wants tax returns, a business plan, collateral, and often a credit score you do not have right now. That is weeks. Here, no tax returns are required and the review centers on your deposits. FICO 500+ is considered. The process is shorter because it asks fewer questions, not because it skips the important one: can your revenue support this?
| Product | How it works |
|---|---|
| Working capital | Lump sum for general business needs, repaid over time |
| Merchant cash advance | Advance on future sales, repaid from revenue |
| Line of credit | Draw what you need, repay, draw again |
| Equipment financing | Equipment secures the deal; may need a vendor quote |
Working capital and MCAs usually move quickest since there is no asset to document.
For illustration only: an HVAC shop doing $95,000 a month learns on Thursday that a supplier wants $45,000 up front for a commercial job. Statements are uploaded Thursday morning, the decision comes back, the owner signs, and a qualified file like that can be funded in as little as 24 hours. This is an example, not a promise or our terms.
Established businesses doing $60K or more a month. Sole proprietors can apply. Amounts run from $25,000 to $5,000,000, provided through our partner Merchant Fund Express. Credit repair is a separate service, and you do not need it to apply.
No. Qualified businesses can be funded in as little as 24 hours. Your file, your responses, and your bank all affect timing.
It starts with a soft credit pull, which does not affect your score.
No tax returns are required. About three months of business bank statements are the main document.
You can apply anytime. Bank transfers generally move on business days, so weekend files usually fund after banks reopen.
Sole proprietors can apply. Timing works the same as for any other qualified file.
Example uses for illustration only.
Speed depends on the file, so these steps keep yours moving.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding