Draw funds for fuel, parts, payroll, and inventory as Indiana needs come up. Bank statements, no tax returns, FICO 500+ considered.
Check My LineIndiana Line of Credit
When cash needs repeat through the year, a line of credit lets your Indiana business draw what it needs instead of guessing at one lump sum.
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.
A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits and current obligations are weighed alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Some cash needs happen once. Others show up every month: fuel and parts for a service fleet in Fort Wayne, materials for a remodel crew in Carmel, inventory for a hardware store in South Bend. A business line of credit is built for the second kind. You draw what you need when you need it, rather than taking one lump sum and hoping it lasts.
Merchant Fund Express offers lines of credit to established Indiana businesses with steady deposits, within our $25,000 to $5,000,000 range.
| Situation | Often a better fit |
|---|---|
| Recurring, uneven costs | Line of credit |
| One large purchase | Equipment financing |
| One-time opportunity tied to sales | Merchant cash advance |
| A defined operating gap | Working capital |
For a one-time, sales-backed need, see our merchant cash advance in Indiana.
We read about three months of business bank statements to understand your deposits, their consistency, and existing obligations. No tax returns are required. FICO scores of 500 and up are considered, and sole proprietors can apply. Everything starts with a 5-minute application and a soft credit pull.
Your offer shows the full repayment amount and the repayment schedule before you accept, so you can see how draws and repayment fit your cash flow. Funding can arrive in as little as 24 hours for qualified businesses. Treat the line as a tool for real operating needs, and repay draws as the related revenue comes in.
Owners who get the most from a line treat it like a tool with a job, not a backup checking account. Draw for a specific cost, such as a parts order or a stretch of payroll before a large invoice clears, and repay as that revenue arrives. Keep a simple log of each draw and what it covered. That habit makes it easy to see whether the line is helping the business grow or just covering a shortfall that keeps coming back, which is a sign to look at pricing or costs instead.
Lake Michigan shoreline tourism, agricultural suppliers, and outdoor contractors all see big swings. A line can smooth those swings when it is used for costs that come before the busy months. Let us know your seasonal pattern when you apply so we read your deposits in context.
A line lets you draw as needs arise. Working capital is usually a single amount for a defined need.
About three months of business bank statements and a short application. No tax returns.
No single factor decides it. FICO scores of 500 and up are considered alongside your deposits.
Sole proprietors can apply if the business is established with steady deposits.
We start with a soft credit pull, which does not affect your score.
Example uses for illustration only.
These habits make a line easier to qualify for and easier to use.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding