Merchant Fund Express
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$1,000,000 Working Capital

Fund a big contract, expansion, or payroll gap. About three months of statements, a soft pull to start, and funding in as little as 24 hours if qualified.

See My Options

Working Capital

Close the gap between winning work and getting paid

Seven figures of working capital, sized to your deposits and current obligations, with the full repayment amount in your offer before you sign.

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.

Seven-figure working capital, minus the delay

Quick and light

Five-minute application and about three months of statements. Funds in as little as 24 hours for qualified businesses.

Credit is one factor

FICO 500+ considered. Strong, steady deposits can carry a large request.

Full cost in writing

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Repayment laid out

Your schedule is set out in the offer, so you can plan it against incoming receivables.

Cash flow tight this month?

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.

Growth that outruns cash

Growth is expensive before it is profitable. A company that wins a large municipal contract, signs a national retail account, or opens two new locations at once often needs to spend heavily for weeks or months before revenue catches up. That gap can reach $1,000,000 quickly, especially when payroll, materials, and rent all hit at once.

Working capital is designed to cover that gap so the opportunity does not slip away while you wait on receivables.

Where seven figures of working capital goes

How we evaluate a $1,000,000 request

The amount depends mainly on your deposits and existing obligations. At this level, we want to see substantial, consistent monthly deposits and a clear picture of current debt. Credit is part of the review, with FICO 500+ considered.

For illustration: a staffing company with strong weekly deposits and no active advances is in a good position to request the full $1,000,000. If the same company carries several existing payments, the offer may come in lower to keep repayment manageable.

Related options

Want to draw as needed instead? Compare a $1,000,000 business line of credit. Prefer repayment tied to sales? See the $1,000,000 merchant cash advance. If the need is smaller, $500,000 working capital may be the better fit.

Apply in minutes

Start the 5-minute application with a soft credit pull, then upload about three months of business bank statements. No tax returns required, and sole proprietors can apply. Your offer shows the full repayment amount and schedule before you accept. Qualified businesses can receive funds in as little as 24 hours. Apply now.

Building a plan around the money

Before you apply, sketch a simple timeline: when the money goes out, when the related revenue comes back, and where the repayment schedule in your offer falls in between. Owners who can show that the funds are tied to specific income, like a signed contract or confirmed purchase orders, tend to have smoother conversations and make sharper decisions about the right amount.

Frequently Asked Questions

Is $1,000,000 in working capital realistic for my business?

It depends mainly on your deposits and existing obligations. Businesses with high, steady deposits and little current debt are best positioned.

What paperwork is required?

The 5-minute application and about three months of business bank statements. No tax returns required.

Can I request less than $1,000,000?

Yes. Funding ranges from $25,000 to $5,000,000, and we can build an offer around the amount you actually need.

How quickly can I get the funds?

Decisions move fast. Funding can arrive in as little as 24 hours for qualified businesses.

Contract mobilization $420,000.00
Two new sites $480,000.00
Peak-season stock $275,000.00
Payroll runway $190,000.00

Example uses for illustration only.

How to improve your chances

Put your best file forward for a $1,000,000 request.

  • Show steady deposits across the last three months
  • Keep account balances healthy through each month
  • Bring contracts or purchase orders that explain the need
  • List all current loans and advances accurately

$1,000,000 working capital: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Weeks of back-and-forth
Documents
About 3 months of statements
Tax returns, audits, projections
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Often months
Repayment
Schedule laid out in offer
Set late in underwriting

Fund your next big move

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

Apply for Funding
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