Draw when you need it. Missouri businesses with steady deposits can apply in about 5 minutes, with a soft credit pull to start and no tax returns.
See My LineMissouri Business Line of Credit
Recurring costs and uneven receivables are easier to handle with a line ready to go. Use what you need and leave the rest available.
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.
Apply in about 5 minutes with roughly three months of bank statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered. We look at how your business deposits money, not only your score.
Your offer states what you will repay before you accept, with no surprise costs after signing.
The schedule is laid out in the offer up front, so each draw fits into a plan you already understand.
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 coming back: a Kansas City distributor fronting freight every month, a Columbia restaurant restocking before football weekends, an HVAC contractor in Springfield buying parts every time a heat wave hits. For the recurring kind, a business line of credit is often the cleaner tool.
Merchant Fund Express offers business lines of credit for established Missouri businesses with steady deposits, with funding amounts from $25,000 to $5,000,000. You draw what you need, when you need it, instead of taking a full amount on day one.
The common thread is timing. A line gives you a buffer that sits ready until the calendar or a customer forces your hand.
The 5-minute application starts with a soft credit pull. We then review about three months of business bank statements. There is no tax return requirement, FICO scores of 500 and up are considered, and sole proprietors can apply.
Your deposit pattern carries the most weight. Steady, recurring deposits and a manageable level of existing payments tend to support a larger line. Heavy existing obligations usually mean a smaller starting line.
Every offer spells out what you will repay and how the repayment schedule works before you accept. There are no surprise costs after you sign. That matters with a line, because you want to know what a draw will cost before you make it, not after.
For illustration: a Joplin building supply company sees deposits climb every spring as contractors restart projects, then flatten in January. With a line in place, the owner draws in late winter to stock lumber and fasteners, then pays the draw down as spring sales arrive. Nothing about that plan depends on a bank meeting in March.
If you have one large, defined need, working capital in Missouri may be simpler. For a specific machine or vehicle, look at equipment financing in Missouri. Kansas City owners can also read about a business line of credit in Kansas City.
Yes. That is the main point of a line. You draw as needs come up, and your offer explains how repayment works on what you use.
About three months of business bank statements. No tax returns are required.
FICO scores of 500 and up are considered. Your deposits and existing obligations matter as much as the score.
Decisions move fast, and qualified businesses can have funds in as little as 24 hours.
Yes. We work with established businesses across Missouri, from small towns to the metro areas.
Example uses for illustration only.
These habits tend to support a larger, more useful line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding