Cover year-end payments, take advantage of supplier deals and open January with a cushion. For established businesses doing $60K+ a month.
Plan my year-endYear-End Funding
Year-end brings bonuses, renewals and buying decisions. Funding is provided through our partner, Merchant Fund Express, based mainly on your deposits.
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 5 minutes to apply, roughly three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered and a soft pull to start. The revenue you built this year carries real weight.
Your offer lists the full repayment amount up front, before you accept. No surprise costs after signing.
The repayment schedule is in your offer up front, so it can go straight into next year's budget.
For many businesses, the last month of the year is when several pressures stack up at once. Commercial clients slow their payments while their own books close. Employees expect holiday pay or bonuses. Vendors offer year-end pricing that expires on the 31st. And planning for the first quarter means committing money before January revenue exists.
An operator who has been through a few of these knows it is not a crisis. It is a timing problem, and timing problems are what short-term business funding is built for.
A commercial cleaning company has $180,000 in outstanding invoices, and two large clients have told them payment will come after their fiscal close. Payroll does not wait. See slow-month cash flow funding.
A distributor's main vendor offers better pricing on orders placed before December 31. Taking it requires cash now.
An owner has been planning to replace aging equipment. Some consider timing that purchase around year-end; read about Section 179 and equipment financing and confirm any tax treatment with your own tax advisor. We do not give tax advice.
A new service line, location, or contract starts in Q1, and staff, materials, and marketing must be in place before it opens.
| Need | Product that often fits |
|---|---|
| Short payroll gap while invoices clear | Working capital |
| Several uneven expenses into Q1 | Business line of credit |
| Machinery, vehicles, or tools | Equipment financing |
| Strong card sales, quick turnaround | Merchant cash advance |
Bank holidays and shortened processing days in late December can affect when money posts. For qualified businesses, funding through our partner Merchant Fund Express can arrive in as little as 24 hours after acceptance, but bank schedules still apply. Applying in early or mid-December leaves room to spare.
The 5-minute application starts with a soft credit pull and asks for about three months of business bank statements. No tax returns are required, which helps when last year's return is not filed yet. FICO 500+ is considered, sole proprietors can apply, and amounts range from $25,000 to $5,000,000 for established businesses doing $60K or more a month.
If personal credit is something you also want to work on in the new year, that is a separate service, and funding does not depend on it.
Yes, but bank holiday schedules can delay posting. Applying earlier in the month leaves more room.
We do not give tax advice. Talk with your tax advisor about how any financing or purchase affects your return.
No tax returns are required. The review relies on bank statements.
Working capital is generally for business purposes, including payroll. Check your agreement for any use restrictions.
Offers are based on your current statements, so a long delay may mean the file is reviewed again with newer months.
Example uses for illustration only.
A clean finish to the year makes your statements easier to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding