Merchant Fund Express
(305) 384-8391Apply

$150,000 Working Capital to Close the Cash Gap

Cover payroll, stock up, or carry a big receivable without stalling the business. Apply in 5 minutes with about three months of bank statements.

Apply in Minutes

Working Capital

Growth costs money before it makes money

We fund established businesses with steady deposits that need $150,000 to keep operations running smoothly while revenue catches up.

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.

Working capital without the bank runaround

Quick to apply, quick to fund

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

Not a credit-score contest

FICO 500+ considered. We begin with a soft pull and look closely at your cash flow.

Clear cost from the start

See the full repayment amount in your offer before you accept. No surprise costs once you sign.

A repayment plan you can see

The full schedule is laid out in your offer up front.

Waiting on deposits to land?

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.

When the business is profitable but the account is tight

Growth eats cash. You land a large customer who pays on long terms, you hire ahead of a busy season, or a supplier offers a discount for buying in bulk. On paper the business is doing well. In the bank account, money is going out faster than it is coming in. That timing gap is what $150,000 in working capital is meant to bridge.

Common ways owners use $150,000

How we arrive at an amount

Your offer depends mainly on the deposits that hit your business account each month and the obligations already coming out of it. Credit counts, and FICO scores from 500 and up are considered, but cash flow is where most of the decision sits.

For illustration: a staffing agency with steady weekly deposits and no other financing may support a $150,000 request in full. The same agency carrying two existing payments might receive a smaller offer, and we would explain why rather than leave you guessing.

Working capital compared with other options

If you expect to borrow more than once, a line of credit lets you draw as needed. If the money is going to a specific machine, equipment financing may be a cleaner fit. For a one-time cash need with a clear purpose, working capital is often the simplest route.

Apply in about five minutes

We start with a soft credit pull and ask for about three months of business bank statements. No tax returns. Sole proprietors are welcome to apply. Begin your application and funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

What can $150,000 in working capital be used for?

Most operating needs: payroll, inventory, rent, marketing, receivables gaps, or opening a new location. Tell us the purpose so we can match the right product.

Do I need to show profit on tax returns?

No tax returns are required. We review about three months of business bank statements.

How long does it take?

The application takes about 5 minutes. Funding can arrive in as little as 24 hours for qualified businesses.

Will my existing financing affect the amount?

Yes. Existing obligations reduce the room in your cash flow, which can lower the amount offered. We look at the full picture before making an offer.

How do I know the total cost?

Your offer shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign.

Seasonal payroll $62,000.00
Bulk order $110,000.00
New location $150,000.00
Receivables gap $78,000.00

Example uses for illustration only.

How to improve your chances

Owners who prepare these items usually see a cleaner $150,000 review.

  • Gather three full months of business statements
  • Separate personal and business spending
  • Know exactly what the $150,000 will cover
  • Keep the average daily balance as steady as possible

Working capital: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application time
About 5 minutes
Hours plus meetings
Paperwork
About 3 months of statements
Returns, P&L, balance sheet
Credit
FICO 500+ considered
Strong score expected
Funding
As little as 24 hours if qualified
Weeks or longer
Sole proprietors
Can apply
Often harder to qualify

Get $150,000 into your operating account

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

Apply for Funding
Apply NowCall