A reusable cash reserve for Montana businesses with steady deposits. Apply in about 5 minutes with a soft credit pull to start and no tax returns.
Check My LineMontana Business Line of Credit
Spring jobs, summer crowds, harvest and ski season all need cash at different times. A line gives your Montana business a reserve for each.
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 to apply and roughly three months of bank statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered. Your deposit history matters as much as your score.
Your offer shows the full repayment amount before you accept. Nothing new appears after you sign.
The repayment schedule is in your offer, so every draw fits a plan you already know.
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 Montana businesses face the same cash squeeze over and over. A Helena contractor buys materials before every job. A Bozeman restaurant restocks heavily before each summer and each ski season. A Havre equipment repair shop orders parts that can take weeks to arrive and must be paid for up front. Taking a new lump sum every time is clumsy. A line of credit is built for this pattern.
Merchant Fund Express offers business lines of credit for established businesses with steady deposits, with funding from $25,000 to $5,000,000.
Think of a line as a reserve you tap when the calendar demands it:
You draw what each season needs, then repay according to the terms in your offer.
The 5-minute application starts with a soft credit pull. We review about three months of business bank statements and do not require tax returns. FICO scores of 500 and up are considered, and sole proprietors can apply.
The size of the line depends mainly on your deposits and existing obligations. Regular deposits and limited existing payments support a larger line. A thin or irregular account, or several payments already going out, usually means starting smaller.
If your recent statements cover a slow stretch, mention it. Seasonal context helps us size the line to your actual year.
Your offer lays out the full repayment amount and the repayment schedule before you accept. No surprise costs show up after you sign. Before each draw, you can see how it fits your plan.
For illustration: a Missoula landscaping company might draw in March to buy mulch, plants and fuel for the first jobs of the season, then repay as spring invoices come in, leaving the line available again for the summer.
A line works best for repeated, variable needs. For one large purchase, working capital in Montana may be simpler. For a specific machine, see equipment financing in Montana. Card-heavy businesses can also compare a merchant cash advance.
Working capital is a lump sum for a defined need. A line lets you draw repeatedly as needs come up, under the terms in your offer.
About three months of business bank statements and the 5-minute application. No tax returns are required.
We start with a soft credit pull, so there is no hard inquiry at the outset.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Seasonal businesses can apply. Tell us about your calendar so we can review your deposits in context.
Example uses for illustration only.
These habits help support a stronger line of credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding