Merchant Fund Express
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$2,000,000 Merchant Cash Advance for High-Volume Businesses

Large advances sized to your deposits. 5-minute application, about three months of bank statements, and no tax returns required.

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Merchant Cash Advance

Large advances built on what your account shows

High volume deserves a review that reads the statements closely. We look at deposits, seasonality and current payments to size your advance honestly.

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 large advance with us looks like

Quick to apply, quick to decide

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

Flexible on credit

FICO 500+ considered. Your deposit history drives most of the decision.

Clear total before you accept

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

Repayment mapped out

Your payment schedule is laid out in the offer up front, tied to the way your business takes in sales.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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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.

Who asks for an advance this large

A $2,000,000 merchant cash advance is a request from a business with real volume: a multi-location restaurant group, a regional distributor, a busy auto dealer service operation, a manufacturer with big seasonal swings. The common thread is consistent revenue flowing through business bank accounts.

A merchant cash advance is an advance against future receivables. Repayment comes from your sales activity on a schedule laid out in the offer before you accept.

How we decide whether $2,000,000 fits

Amount depends mainly on deposits and the obligations you already have. At this level we look closely at:

For illustration: a restaurant group with several locations and steady seven-figure monthly deposits has a very different profile from a single-location business with occasional strong months. The first might fit a $2,000,000 advance. The second would likely see a smaller offer.

When a smaller or different product fits better

Not every large need should be a single advance. If cash needs come in waves, a $2,000,000 business line of credit may suit you better. If your deposits support a smaller figure, a $1,000,000 advance could be the right first step. We will tell you plainly which option fits.

Reading a large advance offer

When an offer arrives, read it as carefully as you would a lease. The offer shows the full repayment amount, so you can see exactly what the advance will cost in total before you accept. It also lays out how repayment works and how often payments are taken.

For a business pulling in large deposits, the key question is whether the payment rhythm fits your slowest stretch, not just your average month. Look at the past year: if there is a season when deposits drop, check that the schedule still works then. If you are unsure, ask before you sign. We would rather walk through it with you than have a large advance squeeze the business during its quiet months. A smaller advance that fits comfortably is often the smarter move than a bigger one that leaves no margin.

Getting started

Apply in about 5 minutes. We start with a soft credit pull, consider FICO 500+, and do not require tax returns. Sole proprietors can apply too. Begin your application and attach your recent business bank statements.

Frequently Asked Questions

Is $2,000,000 within your funding range?

Yes. We fund from $25,000 to $5,000,000, and the amount offered depends mainly on deposits and existing obligations.

How is a merchant cash advance repaid?

Repayment comes from your sales activity on a schedule shown in the offer before you accept.

Do you need audited financials for a large advance?

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

How quickly can a $2,000,000 advance fund?

Qualified businesses can be funded in as little as 24 hours, though larger files may need a closer review.

Can I apply if I already have financing?

Yes. List it on the application. Existing obligations affect the amount we can offer.

Is there a revenue minimum for a $2,000,000 advance?

We do not state a hard revenue minimum. A request this large needs strong, steady deposits to support it, and the offer reflects what the account shows.

Location buildout $480,000.00
Bulk purchasing $350,000.00
Marketing push $95,000.00
Staffing ramp $220,000.00

Example uses for illustration only.

How to improve your chances

Large advances go smoother when the account is easy to read.

  • Run all sales through your main business bank account
  • Avoid negative balance days in the months before applying
  • Have a clear plan for how the advance will be used
  • Disclose every current financing payment up front

Large merchant cash advance vs bank loan

Merchant Fund Express
Traditional bank loans
Basis
Future receivables and deposits
Collateral and credit history
Paperwork
About 3 months of statements
Tax returns, audits, projections
Credit
FICO 500+ considered
High scores expected
Timeline
As little as 24 hours if qualified
Several weeks or more
Application
5 minutes online
Lengthy forms and meetings

See what size advance your deposits support

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

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