Part-time owners
No application asks how many hours you work. Funders read what the business deposits, how long it has operated and what already leaves the account. Here is where a part-time owner fits and where the numbers get tight.
✓ Checking what you qualify for does not affect your credit score.
Updated October 13, 2026 · Merchant Fund Express
Owning a business while holding a W-2 job, or running it on evenings and weekends, does not disqualify you. The file is read from business bank statements, time in business and personal credit. A business managed by staff while you work elsewhere can read exactly like one where you are there every day, if the deposits are the same.
Where part-time businesses run into trouble is not the hours. It is that they tend to be smaller, mix personal and business money, or depend on the owner’s paycheck to cover gaps. Those show up on statements, and those are what get read.
| Situation | How it reads |
|---|---|
| A business with a manager or staff, steady deposits and its own account | Read on its deposits like any other business |
| A side business with $60,000+ in verifiable revenue and 6+ months in business | Meets the revenue-based floors as published, if credit and balances clear |
| A side business depositing $5,000 to $10,000 a month | Readable, but the $25,000 minimum request can be a heavy payment |
| A business account that receives your W-2 paycheck | Fix first: the paycheck is not business revenue and will be backed out |
| Regular transfers from your personal account to cover bills | Fix first: they show the business does not carry itself yet |
Your W-2 salary is not one of these lines. It does not count toward business revenue. It can help indirectly, because a household that does not need to draw from the business keeps a healthier business balance. See what deposits count as revenue for how paychecks and transfers are treated.
Owner A runs a home-cleaning business on evenings and weekends, two years old, depositing $9,000 a month across 11 deposits. Owner B works full-time elsewhere and owns a laundromat run by a manager, four years old, depositing $42,000 a month, with a 680 FICO.
| Owner A | Owner B | |
|---|---|---|
| Amount approved | $25,000 (the minimum) | $60,000 |
| Factor rate (illustrative) | 1.30 | 1.30 |
| Total repayment | $32,500 | $78,000 |
| Weekly payment, 52 weeks | $625 | $1,500 |
| Monthly equivalent (weekly × 52 ÷ 12) | About $2,708 | $6,500 |
| Share of monthly deposits | About 30% | About 15% |
Owner B’s hours never enter the picture; the laundromat’s deposits carry the payment. Owner A clears the revenue floor ($108,000 a year) but a payment of nearly a third of deposits would strain a business with thin margins. For A, the better decision is to grow deposits first, or use a smaller and cheaper tool such as a business credit card, and come back when $25,000 is a smaller share of what comes in.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
The application takes about five minutes and asks for business details, average monthly revenue, the amount and purpose, and each owner’s details and ownership percentage. No tax returns are needed for a typical first review. See bank statements for a business loan.
If the business deposits less than about $10,000 a month, the $25,000 minimum is a big payment relative to what comes in. Read funding at $5,000 a month in revenue for smaller paths. If the business is under six months old, build the record first: time in business requirements. And if you pay yourself in ways that drain the account, read how owner pay affects funding.
Run the free eligibility check. It starts with a soft credit pull and reads the business lines above, not your work schedule. If it fits, apply with three months of statements ready.
Yes. Funders read the business deposits, time in business and personal credit. Your other job is not a disqualifier.
No. A paycheck deposited into the business account is backed out. Only business sales count.
The application asks for business and owner details, revenue and the request. Hours are not one of the published lines.
If deposits are under about $10,000 a month, the $25,000 minimum can be a heavy payment. Growing deposits first often gets you a better result.
Yes. Sole proprietors are eligible; non-profits are not.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
