Merchant Fund Express
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A $200,000 Merchant Cash Advance for Big Moves

Fund a new location, a large contract, or a major inventory buy. Apply in 5 minutes with about three months of statements. No tax returns.

Request $200,000

Merchant Cash Advance

Capital sized to the deposits your business already produces

For established businesses running steady volume, a $200,000 advance can arrive quickly and repay from future receivables on a schedule you see before signing.

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.

What a $200,000 advance with us looks like

Fast funding, short application

About three months of statements and 5 minutes online. Funding in as little as 24 hours for qualified businesses.

Credit weighed with cash flow

FICO 500+ considered. Soft pull to start, with deposits central to the decision.

Total repayment shown first

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

Known schedule from day one

Repayment terms are spelled out in your offer, so planning is straightforward.

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.

What a $200,000 advance is built for

Two hundred thousand dollars is enough to change the shape of a business. Owners at this level are usually funding something specific: a second or third location, a large contract that requires materials and labor up front, a major inventory commitment before a peak season, or a partner buyout that puts ownership in fewer hands (see funding to buy out a partner).

A merchant cash advance can fund these needs quickly because the review centers on your bank deposits rather than collateral or tax returns.

The mechanics, plainly

With a merchant cash advance, you receive a lump sum in exchange for a share of future business receivables. Repayment follows the schedule in your agreement. Your offer shows the full repayment amount and that schedule before you accept, and nothing is added after you sign.

Sizing the offer

We base the amount mainly on monthly deposits and the obligations already drawing from your account. For illustration: a regional distributor with steady deposits and no open financing may support $200,000. A business with similar sales but an existing advance and an equipment payment might be offered $120,000 or so, with the option to revisit later. If you carry more than one position, read existing positions and stacking first.

FICO scores from 500 and up are considered, and the first check is a soft pull.

Other ways to fund $200,000

We will point you toward whichever matches the purpose you describe.

Questions to ask yourself first

Before requesting $200,000, check the fit. Will the project start producing revenue soon enough to make the payments comfortable? Could a smaller first amount cover the most urgent part, with the rest funded once results show up in your deposits? Is the payment schedule realistic during your slowest month, not just your best? Owners who think through these points tend to choose an amount they are glad they took.

Apply

About three months of business bank statements and a 5-minute application are all it takes to start. Sole proprietors can apply, and no tax returns are needed. Start your application. Funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

Who qualifies for a $200,000 merchant cash advance?

Established businesses with steady deposits that can support the payments alongside existing obligations. FICO scores from 500 and up are considered.

Is a merchant cash advance a loan?

A merchant cash advance is a purchase of future receivables rather than a traditional loan. The review focuses on your bank deposits.

What paperwork do I need?

About three months of business bank statements and a 5-minute application. No tax returns.

How quickly can $200,000 be funded?

Funding can arrive in as little as 24 hours for qualified businesses after the offer is accepted.

Can I request more than $200,000?

Yes. Our programs reach up to $5,000,000 for businesses whose deposits support larger amounts.

New location $200,000.00
Contract materials $135,000.00
Partner buyout $175,000.00
Peak inventory $90,000.00

Example uses for illustration only.

How to improve your chances

Strengthen a $200,000 request before you hit submit.

  • Show three steady months of business deposits
  • Keep the daily balance well above zero
  • Have a clear plan for how the money is used
  • Pause new obligations until the review is done

$200,000 advance vs. a typical bank

Merchant Fund Express
Traditional bank loans
Basis
Business deposits
Credit and collateral
Paperwork
About 3 months of statements
Returns, P&L, projections
Credit
FICO 500+ considered
High score expected
Funding
As little as 24 hours if qualified
Weeks to months
First credit check
Soft pull
Hard pull

Move forward with $200,000

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

Apply for Funding
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