Short answer
Merchant Fund Express funds existing professional services franchise owners with working capital, lines of credit, invoice factoring, business loans, merchant cash advances, revenue-based financing and equipment financing from $5,000 to $5,000,000. Typical uses are hiring ahead of busy season, office technology and software, a second office, marketing, and bridging client invoices. Firms that bill companies can factor open invoices to business customers on 30–90 day terms. No tax returns to apply, and a complete file usually gets a decision in 2–4 hours.
What professional services owners fund
Tax preparation, real estate offices, sign and graphics shops, IT support, business coaching, insurance agencies and printing services share one pattern: people and technology cost money every month, and the fees come in waves.
Hiring ahead of the season
Preparers before tax season, agents before spring, technicians before a big contract.
Technology
Computers, software subscriptions, printers and production equipment.
Client invoices
Business clients on 30–90 day terms, while payroll runs every two weeks.
A second office
Growing into the next territory off the office that already works. See Second location.
Match the need to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Hire and train staff before busy season | Working capital | One-time ramp, repaid from the season's fees |
| Cash in client invoices now | Invoice factoring | Open invoices to business customers on 30–90 day terms |
| Cover off-season payroll and rent | Business line of credit | Draw for the gap, repay when fees arrive |
| Buy wide-format printers, computers or production gear | Equipment financing | The equipment anchors the deal |
| Fund an office expansion | Franchise business loan | One lump sum |
| Revenue that peaks hard in one season | Revenue-based financing | Payments track revenue |
Between a line and a lump sum? Line of credit vs working capital settles it in a minute.
How a services office's deposits read
Professional services deposits are a mix of client card payments, ACH transfers from business clients and, for some brands, commissions or settlements that arrive in batches. Seasonal brands such as tax preparation show a heavy few months and a quieter rest of the year. A reviewer reads the full three months in that context. Tell us which season you are in and when your peak lands, and the decision comes faster.
Many owners here have strong businesses and thin paperwork. That is exactly what a deposit-based review is built for: no tax returns to apply, and 500+ FICO accepted. Credit bruised? See credit challenges.
Every brand in this sector
Tax and accounting, real estate, insurance, sign and print, IT, business coaching and other professional service franchises are all welcome. Own one of any brand? Merchant Fund Express funds the office on its own deposits.
Running a brand that is not named here? Put the brand on the application. Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
Shipping and print centers have their own page: Shipping and printing. Staffing offices: Staffing and B2B services.
How fast it moves
- Apply in about 4 minutesName your brand, the office you operate, the amount and the use.
- Upload statements and IDThree months of business bank statements for the entity that owns the location, plus photo ID for each owner.
- Decision in 2–4 hoursMerchant Fund Express reads the deposits and current payments and comes back with the structure and the amount.
- FundsSame-day funding is available; funding often lands the next business day. Most files go from application to funds in under 72 hours.
What to send
No tax returns to apply. Sole proprietors are eligible, Spanish-speaking support is available and ITIN applicants are accepted.
Owner questions, answered
Can a tax preparation franchise get funding before tax season?
Yes. Working capital or a line of credit covers hiring, training and office setup ahead of the season, sized on your deposits.
Can a professional services franchise factor invoices?
Yes, when you bill business customers. Merchant Fund Express factors open invoices to business customers on 30–90 day terms.
Do I need tax returns to apply?
No. Apply with three months of business bank statements and ID.
How fast is a decision?
A complete file usually gets a decision in 2–4 hours, with same-day funding available.
Are you affiliated with any professional services franchise?
No. Merchant Fund Express is independent and has no ties to any professional services franchisor.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.