Deposits show what comes in; balance shows what stays. Built for established businesses doing $60K+ a month.
Review my optionsQualifying
Funding is available through our partner, Merchant Fund Express, with reviews that look at balances alongside deposits and trends.
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 three months of business bank statements, no tax returns, and a 5-minute application to begin.
FICO 500+ is considered, we start with a soft pull, and steady revenue is weighed seriously.
Qualified businesses can be funded in as little as 24 hours after review.
Your offer shows the total repayment amount and schedule before you accept. No surprise costs after signing.
Your average daily balance is roughly the typical amount sitting in your operating account across a month. A business can deposit $150,000 in a month and still run near zero most days if money goes out as fast as it comes in. That is common for busy operators, and it is exactly why funders look at balance in addition to deposits.
We do not publish a minimum average balance, and you should be skeptical of any single number presented as a universal rule. Funders read the balance in context: against your deposits, your industry, your payroll cycle and any existing obligations. A lower balance in a business with strong, steady deposits reads differently from the same balance in an account with thin revenue.
| What is reviewed | What it shows |
|---|---|
| Monthly deposits | The scale and consistency of revenue |
| Average daily balance | How much cushion the account carries |
| Lowest balance days | How close the account runs to empty |
| NSFs and returned items | Whether timing gaps cause shortfalls |
| Existing draws | What is already committed from daily cash |
Our page on whether NSFs disqualify you covers the returned-item side.
For illustration only: an HVAC company on commercial contracts deposits about $110,000 a month. Payroll goes out every other Friday, and the balance dips low the day after. Across the month, though, the account carries steady room between deposits and payments. A funder sees the dips and the recovery, and weighs the whole pattern, not one bad Saturday.
For more, see what funders look at and how much you can borrow.
Funding is provided through our partner Merchant Fund Express from $25,000 to $5,000,000 for established businesses, typically doing $60K or more a month. Five-minute application, soft credit pull, about three months of statements, no tax returns. FICO 500+ is considered. Apply now.
We do not publish a minimum. Funders weigh balance alongside deposits, industry, payroll timing and existing obligations.
Funders review the whole statement period and the source of deposits. Transfers that do not reflect real business activity are usually easy to spot, so it is best to present the account as it actually runs.
It can be one factor. The amount depends mainly on monthly deposits and existing obligations.
The application starts with a soft credit pull, so you can see where you stand first.
About three months of business bank statements are part of the application. Sole proprietors can apply too.
Example uses for illustration only.
A steadier balance can make your statements read stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding