For established businesses doing $60K+ a month where the sales are strong and the score is still catching up. Soft pull to start.
See my $100K options$100,000 Funding
A $100K request gets read through your deposits first. Funding is provided through our partner, Merchant Fund Express, with the total cost shown before you accept.
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.
About 5 minutes to apply, around three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, beginning with a soft pull. Consistent revenue counts for a lot in the review.
Your offer lists the full repayment amount before you accept, so you can weigh a six-figure decision clearly. No surprise costs later.
The repayment schedule is in your offer up front, so you can match it against your monthly cash flow.
Picture a body shop owner doing around $140,000 a month. The bays are full, the reputation is solid, and a frame machine plus a second paint booth would let the shop take on insurance work it currently turns away. The owner's personal score took a hit three years ago during a family medical situation and has not fully recovered. The bank says no before reading the statements.
This is the kind of situation where funding through our partner Merchant Fund Express is designed to help. The review starts with what the business deposits, and FICO scores of 500 and up are considered.
| Option | How it works | Fits when |
|---|---|---|
| Working capital | Lump sum, repaid on a fixed schedule | One clear project or gap |
| Merchant cash advance | Advance against future sales, repaid as a share of receipts | High card or daily sales volume |
| Line of credit | Draw as needed up to a limit | Needs come in waves |
| Equipment financing | Financing tied to the asset purchased | Most of the money buys machinery |
Some owners split a $100K need: equipment financing for the machine and working capital for the installation and staffing around it.
For illustration only, and not a reflection of any offer or term: a business averaging $120,000 in monthly deposits with no current funding payments is in a different position than one averaging the same amount while sending remittances to two other funders. The first may find $100,000 well supported. The second might be offered less, or a structure that starts smaller. For more on how this works, read how much can I borrow.
Eagle Credit Repair helps people work on their personal credit, and that is a separate service. You do not need to repair credit before applying, and funding does not raise your score. Plenty of owners apply now based on revenue while working on credit on their own timeline.
When you are ready, the application takes about five minutes, starts with a soft credit pull, and asks for roughly three months of business bank statements. No tax returns are required. For qualified businesses, funding can arrive in as little as 24 hours.
There is no fixed ratio. The program is built for businesses doing $60K or more a month, and the amount depends on deposits and existing obligations.
Yes, some owners use separate products for separate parts of a project. Each is reviewed on its own.
A soft credit pull is used to start and does not affect your score the way a hard inquiry can.
Sole proprietors can apply. The request is reviewed on your business deposits like any other file.
Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
These habits help a $100K file read clean.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding