Draw when a job starts, an invoice runs late, or inventory runs low. Sized to your deposits, with a soft credit pull to start.
See My LineMaryland Line of Credit
Recurring expenses call for flexible access to capital. A line from Merchant Fund Express lets Maryland owners draw as needed and repay on a schedule set out up front.
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.
About 5 minutes online, three months of bank statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
We consider FICO scores from 500. Deposits and cash flow carry real weight.
The full repayment amount appears in your offer before you accept. Nothing new gets added after you sign.
Your repayment schedule is spelled out in the offer, so you can plan draws around it.
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 show up once. Others keep showing up. A Frederick machine shop that buys steel every time a new order lands, a Silver Spring IT services firm waiting on client invoices each month, or a Salisbury farm supply store restocking through the growing season all face recurring gaps rather than a single one.
A business line of credit is designed for that pattern. You get access to a set amount and draw on it as needs come up, instead of taking all the money at once.
If you need one larger amount for a specific project, working capital in Maryland might be the simpler choice. For machinery or vehicles, see equipment financing in Maryland.
Our online application takes about 5 minutes. We begin with a soft credit pull and review about three months of business bank statements. We do not require tax returns. FICO 500+ is considered, and sole proprietors are welcome to apply.
Before you accept, your offer shows how repayment works on what you draw, including the full repayment amount and schedule. Qualified businesses can see funds in as little as 24 hours.
Your deposit history is the main input. We look at how much comes in each month, how consistent it is, and what you are already paying toward other financing. A business with even deposits and light existing obligations generally supports a larger line. Lines and other products range from $25,000 to $5,000,000 depending on the file.
A line works best when each draw has a clear payback, such as materials for a job that is already sold. It works less well as a permanent patch for a business that loses money every month. Draw what you need, repay on schedule, and the line stays a tool rather than a burden.
Lines tend to suit businesses with frequent, smaller cash needs: contractors who start a new job every few weeks, service firms that bill on net terms, and retailers that restock throughout the year. If that sounds like your business, a line can save you from applying again every time a gap opens.
Yes. Working capital usually arrives as one amount. A line lets you draw as needs come up, which suits recurring or unpredictable costs.
Yes. Sole proprietors can apply, as long as the business has steady deposits into a business bank account.
The short application and about three months of business bank statements. No tax returns.
We start with a soft credit pull, which does not affect your score.
Your offer lays out the repayment schedule and full repayment amount before you accept, so there are no surprises after you sign.
Example uses for illustration only.
These habits make a line easier to qualify for and easier to manage.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding