For established, high-volume businesses well beyond $60K a month. Start with a 5-minute application, recent statements and a soft pull.
Review $500K options$500,000 Funding
Requests of this size center on sustained volume. Funding is provided through our partner, Merchant Fund Express, with capacity up to $5,000,000.
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.
A 5-minute application and around three months of statements, no tax returns. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered, soft pull to start. Sustained revenue counts heavily at this level.
The full repayment amount appears in your offer before you accept. No surprise costs after signing.
Your offer lays out repayment up front so finance can model it against payroll and vendor terms.
The owners who request this amount have usually been at it a while. A regional distributor with a warehouse and a dozen employees. A multi-location restaurant group. A commercial contractor with several crews in the field. Revenue is substantial, and the request reflects a business that has proven it can move product, deliver service, and collect.
Some of these owners also have a personal credit history that does not match what they have built. Funding through our partner Merchant Fund Express looks first at the business's bank activity, and FICO scores of 500 and up are considered.
At this size, deposits need to clearly support a meaningful repayment without squeezing operations. The program serves businesses doing $60K or more a month, and a half-million request generally sits with businesses well above that.
Every current payment reduces room. Reviewers want a full list, and surprises found in the statements slow things down.
Average daily balance, overdrafts, and NSF items are weighed together. None is judged alone, but patterns matter more at larger amounts.
How long the business has operated and whether revenue is steady or volatile both shape the answer.
These are made-up examples, not offers, terms, or approval criteria.
| Distributor | Restaurant group | |
|---|---|---|
| Average monthly deposits | $650,000 | $420,000 |
| Current obligations | One equipment note | Two advances |
| Purpose | Inventory for a new retail account | Build-out of a third location |
| Likely discussion | Full request may be supported | Smaller amount or staged structure |
Gather about three months of business bank statements for every account where revenue lands, a list of current obligations, and a short description of what the money will do. No tax returns are required. Then complete the 5-minute application, which starts with a soft credit pull. Qualified businesses can be funded in as little as 24 hours after accepting an offer.
Credit repair remains a separate service. You can apply for funding now based on revenue whether or not you are working on your credit.
No. Funding through Merchant Fund Express goes up to $5,000,000 for businesses whose deposits support it.
If revenue lands in more than one account, including them gives reviewers the full picture.
Yes. Some owners pair equipment financing with working capital so each piece matches its purpose.
They are weighed with everything else. A few explained items read differently than a recurring pattern.
No. Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
At this size, consistency across statements matters most.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding