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Business funding questions, answered straight

Amounts, timing, documents and credit, explained for established businesses doing $60K+ a month. Apply in about 5 minutes.

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Questions and Answers

The short answers owners ask for most

Funding is provided through our partner, Merchant Fund Express, from $25,000 to $5,000,000. Here is what to expect before you apply.

As fast 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.

The answers in brief

How fast?

Qualified files can be funded in as little as 24 hours. Anything faster depends on the file and the bank.

What do I send?

About three months of business bank statements and a 5-minute application. No tax returns required.

What about my credit?

FICO 500+ is considered and the first check is a soft pull. Revenue carries real weight.

What will it cost?

Your offer shows the full repayment amount and schedule before you accept. No surprise costs after you sign.

Amounts and speed

How much funding is available?

From $25,000 to $5,000,000, depending on what your business revenue supports.

How fast can funds arrive?

In as little as 24 hours for qualified businesses. Faster depends on the file and the bank, so we do not promise it. See 24-hour business funding.

Who is this built for?

Established businesses doing $60K or more a month with credit that is not perfect.

Credit questions

What credit score is considered?

FICO 500 and up.

Does applying hurt my score?

The application starts with a soft credit pull, which does not affect your score.

Do I need credit repair first?

No. Credit repair and funding are separate services. You can apply based on revenue now and work on credit separately. Funding does not raise your score, and credit repair does not decide approval.

Documents and eligibility

What paperwork is needed?

About three months of business bank statements. No tax returns are required.

Can sole proprietors apply?

Yes.

How long is the application?

About five minutes. Start it here.

Products

Planning ahead

When is the best time to apply?

Before the need becomes urgent. An owner who applies when a large purchase order lands, rather than the day payroll is due, has more room to compare options and read the offer carefully.

What if my numbers dipped last month?

Explain it. A one-time dip from a holiday closure or a delayed client payment reads differently from a steady decline. See slow month cash flow funding and funding for big contracts.

Who provides the funding

Funding is provided through our partner, Merchant Fund Express. Eagle Credit Repair is a credit repair company and does not fund businesses itself. Read more on the partner page or in how business funding works.

Frequently Asked Questions

Is collateral required?

Working capital, merchant cash advances and lines of credit are revenue-based and do not require pledging property. Equipment financing is typically secured by the equipment itself. See same-day funding with no collateral for more.

Can I get funded the same day?

Decisions can move quickly, and funding for qualified businesses can arrive in as little as 24 hours. Anything faster depends on your file and your bank.

What can I use the funds for?

Common uses include payroll, inventory, equipment, repairs, covering slow months, and taking on larger contracts.

I had a bankruptcy a few years ago. Can I still apply?

Yes. FICO 500 and up is considered, and the review gives significant weight to current business deposits.

Do I have to accept an offer?

No. You can review the offer and decide whether it fits your business.

What if my revenue is seasonal?

Seasonal businesses can apply. Steady deposits across about three months help, and a merchant cash advance collects as a share of sales, so it moves with your volume.

Short-term gap $25,000.00
Equipment buy $70,000.00
Expansion $180,000.00
Inventory $36,000.00

Example uses for illustration only.

How to improve your chances

The most common follow-up question is how to strengthen a file, so here it is.

  • Keep deposits steady in one business account
  • Reduce NSFs and negative-balance days
  • Have three months of statements ready
  • Show revenue holding or growing

How Eagle business funding compares to a bank, in short

Eagle Business Funding
Traditional bank loans
Speed
As little as 24 hours
Weeks to months
Documents
~3 months bank statements
Tax returns, financials, more
Credit
FICO 500+ considered
Strong credit usually expected
Amounts
$25K-$5M
Varies by bank
Cost
Full repayment shown up front
Can be harder to compare

Still have questions? Start the application

One secure application. A soft credit pull to start. No obligation to accept an offer.

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