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How business funding works, from apply to funded

A clear walk-through for established businesses doing $60K+ a month: apply in 5 minutes, share statements, review your offer, decide.

Walk me through it

The Process

Four steps, no guesswork, and you decide at the end

Funding is provided through our partner, Merchant Fund Express. You apply, they review your revenue, and you see a written offer before anything is final.

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.

What each step looks like

Apply in about five minutes

Basic business and owner details plus about three months of bank statements. No tax returns required.

A soft pull to start

Checking your options begins with a soft credit pull. FICO 500+ is considered, and revenue carries real weight.

Read a clear written offer

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

Funds move once you accept

Qualified files can be funded in as little as 24 hours after acceptance, depending on the file and the bank.

The short version

You apply in about five minutes. A soft credit pull starts the review. You share roughly three months of business bank statements. An offer comes back based mostly on how your business performs, and for qualified files funding can arrive in as little as 24 hours. Amounts run from $25,000 to $5,000,000, provided through our partner Merchant Fund Express.

That is the whole arc. The rest of this page fills in the details.

Step one: the application

The form asks for the business name, how long you have operated, monthly revenue, what you need the funds for, and owner information. It does not ask for tax returns. Sole proprietors fill out the same form as corporations and LLCs.

The soft pull lets the review see your credit picture without a hard inquiry at the start.

Step two: the review

The review leans on business bank statements because they show what is actually happening: deposits, consistency, and how the account is managed. A score from 500 and up is considered, so a past setback is not the end of the conversation. For a closer look at the review itself, read what funders look at.

Step three: choosing the right product

Working capital

A lump sum for operating needs, repaid on a set schedule. See working capital.

Merchant cash advance

An advance against future receivables, collected as a share of sales. See merchant cash advance.

Business line of credit

A limit you draw from, repay, and draw again. See business line of credit.

Equipment financing

Financing for a specific machine, vehicle or system, typically secured by that equipment. See equipment financing.

Step four: offer and funding

You review the amount and structure and decide. Nothing obligates you to accept. Once you sign and the file is complete, funds go to your business account, in as little as 24 hours for qualified businesses.

Where credit repair fits

It does not sit inside this process. Eagle Credit Repair offers credit repair as a separate service. You can apply for funding based on revenue now and work on personal credit on your own schedule. Funding does not raise your score, and credit work does not decide an approval. When you are ready, start the application.

Frequently Asked Questions

Who is business funding through Eagle Credit Repair designed for?

Established businesses doing $60K or more a month whose personal credit is not perfect.

How long does the whole process take?

The application takes about five minutes, and funding for qualified businesses can arrive in as little as 24 hours after approval.

What documents do I need?

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

Who actually provides the funds?

Funding is provided through our partner, Merchant Fund Express.

Can I apply if I had a bankruptcy or collections in the past?

Yes. FICO 500 and up is considered, and the review gives real weight to current deposits and how the business account is run today.

Do I have to accept the offer?

No. You can review it and decline if it does not fit your needs.

Working capital $45,000.00
Line of credit $60,000.00
Equipment $85,000.00
Expansion $120,000.00

Example uses for illustration only.

How to improve your chances

Each step moves faster when your file is prepared.

  • Keep business and personal spending in separate accounts
  • Have three recent months of statements saved as PDFs
  • Reduce NSFs and negative-balance days
  • Know roughly how much you need and why

How the Eagle funding process compares to a bank loan process

Eagle Business Funding
Traditional bank loans
Apply
5-minute application
Branch visits and long forms
Documents
~3 months bank statements
Tax returns, financials, more
Credit check
Soft pull to start
Hard inquiry common
Decision time
As little as 24 hours
Weeks to months
Offer clarity
Full repayment shown up front
Terms spread across documents

Ready for step one?

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

Apply for Funding