Amounts from $25K to $5M, sized mainly by monthly deposits and existing obligations. Built for established businesses doing $60K+ a month.
Estimate my amountFunding Amounts
Your offer is built around real deposits, not a guess. Funding is provided through our partner, Merchant Fund Express, from $25,000 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.
Apply in about 5 minutes with roughly three months of statements, no tax returns. Qualified businesses can see funds in as little as 24 hours.
FICO 500+ considered, with a soft pull to start. Revenue and deposit history do much of the talking.
Every offer shows the full repayment amount before you accept, so the size of the commitment is clear. No surprise costs after signing.
Your offer spells out the repayment schedule up front, so you can test it against your cash flow first.
The full range available through our partner Merchant Fund Express runs from $25,000 to $5,000,000. That is wide on purpose. A four-chair salon and a regional distribution company are both established businesses, but they are not asking for the same thing.
An owner who has been running a business for years usually has a sharp instinct for what the business can carry. Funders try to reach the same answer from the outside, using the bank statements rather than the owner's gut.
The steady, recurring money that lands in your business account is the foundation. Higher and more consistent deposits generally support larger amounts, because repayment comes out of that same cash flow.
Existing loan payments, merchant cash advance remittances, and equipment notes reduce how much room is left. Two businesses with identical revenue can be offered very different amounts if one is already carrying several obligations.
Credit history, time in business, and average balance also play a part, but these two numbers do most of the work.
The figures below are invented to show the reasoning. They are not our terms, offers, or a formula any funder is bound to use.
| Business A | Business B | |
|---|---|---|
| Average monthly deposits | $90,000 | $90,000 |
| Existing funding payments | None | Two active advances |
| Deposit pattern | Steady | Swings month to month |
| Likely direction of the offer | More room | Less room, or a staged approach |
Same revenue, different answers. That is why asking for an exact number before anyone has seen your statements rarely gets you a useful reply.
Borrowing the maximum is rarely the smart play. The better question is what the money needs to accomplish:
If you want to see what common sizes look like in practice, we have pages on $50,000, $100,000, $250,000, and $500,000.
The only way to move from a range to an actual figure is to have your file reviewed. The 5-minute application starts with a soft credit pull, asks for about three months of business bank statements, and does not require tax returns. For qualified businesses, funding can arrive in as little as 24 hours once you accept an offer.
Funding through Merchant Fund Express starts at $25,000.
Amounts at the top of the range are for larger businesses whose deposits and obligations support them. Your statements decide where you fit.
No published formula applies to every file. Deposits, existing payments, and consistency all shape the number, so any rule of thumb is only a rough guide.
Requesting what the business actually needs tends to produce a cleaner conversation than asking for the maximum by default.
Credit is one factor and FICO 500+ is considered. Revenue and existing obligations usually carry more weight in sizing.
Example uses for illustration only.
These steps tend to support a stronger offer amount.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding