Merchant Fund Express
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How can a Dallas business get capital without a long bank wait?

Apply online for revenue-based funding; Dallas businesses with steady deposits can get a same-day decision.

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Local funding

Dallas capital on a days-not-months timeline

Dallas owners who need capital quickly often find bank timelines measured in weeks or months. Comparing that timeline with the cost of waiting, and lining up a faster option alongside the bank, keeps opportunities from slipping away.

As fast as
24 hours

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.

Why owners use Merchant Fund Express

Same-day decisions

A person reviews your revenue, time in business and bank activity, often within hours.

Buyouts up to $100K

Existing balances of $100,000 or less can be bought out.

Lines of credit too

Advances, lines of credit and second-position options in one place.

Clear numbers

Net cash, total payback and payment shown before you sign.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

How it actually works

Start by estimating what waiting costs. If a Dallas contractor can land a $150,000 job by ordering materials this week, or a restaurant in Uptown can secure a supplier discount that expires Friday, the profit at stake is the cost of waiting. Compare it with the extra cost of fast funding in dollars. When the opportunity is worth more than the difference, speed wins.

Run both tracks if your profile allows. Many DFW businesses qualify for a bank or SBA loan but cannot wait for it. You can apply to the bank for the long-term need and use revenue-based funding, which is approved on deposits with credit from 500 considered, for the immediate piece. Disclose the pending bank application to the fast funder and make sure the combined payments would fit if both close.

Prepare once, use twice. The same documents serve both tracks: complete business bank statements, IDs for owners, entity documents and a debt schedule. Banks will add tax returns and financial statements. A clean, consistent file shortens both timelines.

Texas commercial financing disclosure rules apply to certain providers, so ask for the written summary. Through MFE, one application reaches multiple funders, with same-day decisions possible and funding as soon as the next business day. If the bank closes later, early-payoff terms at 30, 60 or 90 days on some agreements can reduce the cost of the bridge.

Dallas owners can also explore North Texas resources for the long-term track: the Dallas College Small Business Development Center offers advising, and community lenders in the region serve businesses that need a step between alternative funding and a bank loan.

A worked example

Here is a fast bridge a Dallas business might use while a bank loan processes. Illustrative numbers.

Amount funded$75,000
Factor rate1.38
Total payback (amount × factor)$103,500
Fees deducted at funding (2%)$1,500
Net cash you receive$73,500
Weekly payment over 44 weeks$2,352
Same total as daily debits (~220 business days)$470/day

Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.

Bank track vs. fast track in Dallas

TimelineWeeks to months vs. days
CreditStrong vs. from 500
DocumentsReturns and financials vs. statements
CostLower vs. higher
Best useLong-term vs. immediate need

Who this fits — and who should wait

Good fit:

Probably not yet:

Related questions

Frequently Asked Questions

How can a Dallas business get capital fast?

Revenue-based funding approved on deposits can fund the next business day.

Can I apply to a bank and a fast funder at once?

Yes, disclose both and make sure combined payments fit.

How do I decide if speed is worth the cost?

Compare the profit at stake with the extra cost of fast funding.

Does Texas require cost disclosures?

Texas has disclosure rules for certain commercial financing providers.

Can I pay off the bridge when the bank loan closes?

Often yes; some agreements offer early-payoff discounts.

What credit is needed?

Options begin at 500.

Payroll $25K
Inventory $60K
Equipment $90K
Expansion $150K

Example uses for illustration only.

How to improve your chances

Before you apply:

  • Estimate the cost of waiting
  • Run bank and fast tracks in parallel
  • Disclose pending applications
  • Check early-payoff terms

Merchant Fund Express vs. a traditional bank

Merchant Fund Express
Traditional bank loans
Decision time
Same day
Weeks
Credit to apply
500 minimum
Usually much stronger credit
Collateral
Not required for most offers
Often required
Documents
Bank statements and ID
Tax returns, financials, plans
Offers
Multiple funders, compare
One lender

See what your business qualifies for

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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