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Working Capital

Working capital, decided in hours.

Capital for payroll, inventory, a slow season or a contract that needs materials now. Applied online in 4 minutes, decided in 2–4 hours.

Apply Now →How It Works
2–4 hrsDecision
NoTax returns
500+FICO accepted
Same dayFunding available

What it is for

Working capital covers the gap between doing the work and getting paid for it: payroll before a client invoice clears, inventory ahead of a season, or a repair that cannot wait.

4-minute online application
No tax returns required
Three months of bank statements + ID
Decision in 2–4 hours
Same-day funding available
500+ FICO accepted

How it works

1. Apply online

A 4-minute application. Basic business information. No tax returns required.

2. Submit statements

Three months of business bank statements and ID. Upload securely.

3. Decision in 2-4 hours

A specialist reviews the file and matches you to the right funding product.

4. Funded

Most files complete the entire process, application to funds in the account, in under 72 hours.

Common questions

How fast can I get working capital?

Decisions in 2 to 4 hours, with same-day funding available.

Do I need tax returns?

No.

What credit score do I need?

500+ FICO is accepted.

What documents do I need?

A short application plus three months of business bank statements and ID.

Is this Merchant Fund Express?

Yes, a direct entry point into the same network.

Access $5K to $5M in business funding

Decisions in 2–4 hours. Same-day funding available. No tax returns required to apply.

Apply Now →