An honest answer about speed
We will not tell you money lands the same afternoon you apply. What we can tell you is that decisions move fast and, for qualified businesses, funding can arrive in as little as 24 hours. Anything faster depends on the specific file and on how your bank handles incoming funds.
For an owner who has been told by a bank to wait three weeks for a committee, that pace is often the difference that matters.
Where the time usually goes
- Application. About five minutes, with a soft credit pull to start.
- Statements. Roughly three months of business bank statements. Owners who upload them right away remove the most common delay.
- Review. Merchant Fund Express looks at deposits, consistency, and the purpose of the funds.
- Offer and acceptance. You review the terms presented and decide.
- Funding. Once accepted, funds are sent. Bank posting times vary.
Owners who tend to move fastest
Speed favors a clean, steady file. A landscaping company with even weekly deposits, a physical therapy clinic with predictable insurance payments, or a print shop with repeat commercial customers can usually be reviewed quickly because the pattern is easy to read. This program is built for established businesses doing $60K or more a month, and a personal score that lags behind the business does not rule you out. FICO 500 and up is considered.
Ways to shorten the timeline
- Have digital copies of your last three months of statements ready before you begin.
- Apply early in the business day so review can begin promptly.
- Answer follow-up questions the same day they come in.
- Know roughly how much you need and what it is for.
Which product fits a fast need
Many fast requests end up as working capital or a merchant cash advance, since both are built around revenue. A business line of credit can make the next urgent need easier to handle. If speed is the main concern, also read our page on 24-hour business funding.
Ready to see where you stand? Begin the application.
Frequently asked questions
Can I get funded the same day I apply?
We do not promise that. Decisions move quickly, and qualified businesses can be funded in as little as 24 hours. Faster outcomes depend on the file and the bank.
Who provides the funds?
Funding is provided through our partner Merchant Fund Express. Eagle Credit Repair does not lend.
Will tax returns slow me down?
No tax returns are required. About three months of business bank statements and the short application are the core of the file.
Does my credit score have to be high?
No. FICO scores of 500 and up are considered. Revenue and deposit consistency carry real weight in the review.
How much can I request?
Funding ranges from $25,000 to $5,000,000, depending on what your business revenue supports.
What if I need the money for an emergency this week?
Apply as early as you can and have your statements ready. A fast, complete file gives you the best chance at funding in as little as 24 hours if you qualify. For urgent breakdowns, see our page on emergency repair funding, which walks through how owners in that spot usually approach the request and what to have on hand.