Merchant Fund Express
(305) 384-8391Apply

$1,000,000 Funding When the Clock Is Running

Decisions move fast and qualified businesses can be funded in as little as 24 hours. Apply in 5 minutes with about three months of statements.

Start Fast Review

Fast Business Funding

Large amounts, quick decisions, honest timing

We will not promise same-day money on a seven-figure file. We will move it quickly and tell you exactly what we need to keep it moving.

As fast as
24 hours

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.

Built for urgent, large requests

Quick decisions, short file

A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.

Room for imperfect credit

FICO 500+ considered. Steady deposits matter a great deal in how we review a large request.

Total cost before you commit

The full repayment amount is shown in your offer before you accept. No surprise costs after signing.

A schedule you can see

Your repayment schedule is laid out in the offer up front, so there is no guessing once funds land.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Searching for same-day money at this size

Owners who search for $1,000,000 same-day funding usually have a real deadline: a supplier wants payment to release a big order, a competitor's location is for sale, or a contract starts before the client's first payment arrives. We understand the pressure. We also want to be straight with you about timing.

Decisions move fast here, and funding can arrive in as little as 24 hours for qualified businesses. We do not promise same-day funding, especially at seven figures, because larger files get a closer look.

What keeps a large file moving

  1. Complete statements. Send about three months of business bank statements with the application, not a day later.
  2. Clear use of funds. A short note on what the money is for helps us review faster.
  3. Honest disclosure. List current financing payments. Surprises found later slow everything down.
  4. Quick replies. If we have a question, a fast answer keeps the file on track.

How the amount is decided

Speed does not change how we size an offer. The amount depends mainly on your deposits and the obligations you already carry. For illustration: a distributor with heavy, consistent monthly deposits and no open balances may see a much larger offer than a business with similar sales that already makes daily payments elsewhere.

If $1,000,000 is more than your deposits support right now, we will show you the amount that fits instead of stretching the file.

Planning around a deadline

If you have a hard date, work backward from it. Give yourself room for the review, for reading the offer carefully and for the funds to arrive in your account. Applying the moment you know about the need, rather than the day before it is due, is the single best way to avoid a crunch.

It also pays to read the offer closely, even when time is short. Your offer shows the full repayment amount and the payment schedule before you accept. Take the few minutes to confirm the payments fit your normal deposits, not only the big month you are planning for. A fast yes that strains cash flow later is not a good outcome for anyone, and we would rather you take a smaller amount that fits than a larger one that does not.

Products that can move quickly

Fast requests at this size are often structured as a $1,000,000 merchant cash advance or $1,000,000 working capital. Revenue-based financing is another option when deposits vary month to month. The 5-minute application starts with a soft credit pull. Apply here to get the review started.

Frequently Asked Questions

Can I get $1,000,000 the same day I apply?

We do not promise same-day funding. Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

What slows down a large funding request?

Missing statements, unlisted existing payments and slow replies to follow-up questions are the most common causes.

Do I need tax returns?

No. About three months of business bank statements and the application are the core of the file.

Is my credit score a deal breaker?

FICO scores from 500 are considered. Deposits and existing obligations weigh heavily in the decision.

Can a sole proprietor request this amount?

Sole proprietors can apply. The offer will reflect the deposits running through the business account.

Should I apply before I know the exact amount I need?

Applying early with a close estimate is usually better than waiting. We can adjust once the exact figure is clear.

Bulk inventory $275,000.00
Location purchase $450,000.00
Contract startup $160,000.00
Payroll bridge $115,000.00

Example uses for illustration only.

How to improve your chances

Fast files are usually complete files, so prepare these before you apply.

  • Download three full months of business bank statements
  • Write one sentence on how the funds will be used
  • List every current financing payment and its amount
  • Keep your phone handy for follow-up questions

Fast funding: us vs a typical bank

Merchant Fund Express
Traditional bank loans
Decision pace
Decisions move fast
Committee review over weeks
Funding timing
As little as 24 hours if qualified
Often 30 days or more
Paperwork
About 3 months of statements
Tax returns and full financials
Credit
FICO 500+ considered
Strong credit expected
First credit check
Soft pull to start
Hard pull at application

Get your large request in front of us today

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
Apply NowCall