Qualified established businesses doing $60K+ a month can see funds in as little as 24 hours. It starts with a 5-minute application.
Start my applicationFast Funding Timeline
When timing matters, funding through our partner, Merchant Fund Express is built to move. Qualified files can be funded in as little as 24 hours.
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.
Five minutes to apply and about three months of bank statements. No tax returns slowing the file down.
FICO 500+ considered with a soft pull to start. Consistent deposits do a lot of the work.
The full repayment amount is in your offer before you accept, with no surprise costs afterward.
Your repayment schedule is laid out in the offer, so you know what to expect from day one.
Most delays in business funding are not about the funder. They come from missing statements, a mismatch between the business name and the bank account, or an owner who is out on a job site and cannot sign. When those pieces are ready, funding for qualified businesses can arrive in as little as 24 hours from approval.
Below is how that day typically breaks down, so you can plan around it.
| Stage | What happens | Your part |
|---|---|---|
| Application | Five-minute form and a soft credit pull | Basic business and owner details |
| Statements | Review of about three months of deposits | Upload complete bank statements |
| Offer | Amount and structure presented | Read it and ask questions |
| Funding | Transfer sent to your business account | Sign and confirm account details |
For illustration only. Every file moves at its own pace, and bank posting times vary.
This timeline fits established businesses doing $60K or more a month. A commercial cleaning company with 40 employees and a payroll every Friday. A specialty auto parts shop that just landed a fleet account and needs stock on the shelf. These owners have the revenue; some of them simply have personal credit that went sideways during a hard stretch.
FICO 500 and up is considered, no tax returns are required, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000.
Working capital, a merchant cash advance, and a business line of credit are the options most often used when time matters. Equipment financing can also move quickly, though vendor invoices add a step. If you are searching for faster still, our same-day funding page explains what is and is not realistic.
Funding is provided through our partner Merchant Fund Express. Credit repair at Eagle Credit Repair is a separate service and is not a step in this process. When you have your statements in hand, apply here.
It means funding can arrive in as little as 24 hours for qualified businesses once the file is complete and approved. Missing documents push that out.
Incomplete bank statements and name mismatches between the application and the business account.
No. The process starts with a soft credit pull.
Yes. Sole proprietors can apply, and the same steps apply to their files.
Owners commonly use it for payroll, inventory, repairs, or covering a gap while a large client pays. Tell us the purpose on the application so the right product is matched to it.
Bank transfers generally post on business days, so a file completed late Friday may land after the weekend.
Example uses for illustration only.
A ready file is the fastest file, so a little prep goes a long way.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding