Fast funding
Speed is mostly decided before you apply. Here is what moves the clock, what stops it, and how a decision differs from money in the account.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your business's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Merchant Fund Express gives a same-day decision on a complete file, and funding often follows the next business day. The clock starts when every statement, entity detail and payment list is in, not when the form is opened. Working capital and revenue-based financing usually move fastest; equipment and remodel requests wait on a quote or bid.
| Factor | Speeds it up | Slows it down |
|---|---|---|
| Complete file at submission | Starts the same-day decision clock | Missing month or a late second entity |
| Product chosen | Working capital and revenue-based financing need the fewest documents | Equipment needs a vendor quote; a remodel needs a bid |
| Entity structure | One entity, one account reads quickly | Several entities each need statements |
| Existing positions | Listed up front, counted once | Discovered on statements, then questioned |
| Amount | Below $250,000, no full financials typically | Above $250,000, full financials usually requested |
| Calendar | Signed early on a business day | Signed late Friday or before a bank holiday |
The same-day decision applies to a complete file. A file is complete when it includes the last 3 months of business bank statements as bank PDFs, the entity and owner details, the brand name, and every current advance or loan with its payment. The application itself takes about five minutes and starts with a soft credit pull. Use the documents checklist to assemble the pack before you start. A reviewer who has to ask for one more month or one more account stops the clock until it arrives.
Treating these as separate steps avoids a common mismatch: payroll due Friday needs a decision earlier in the week. The sitewide funding timeline has more detail.
Example: a two-unit owner with one entity applies on Tuesday, November 3, 2026, at 9:30 a.m., with all statements and the payment list uploaded. Merchant Fund Express returns a decision Tuesday afternoon. The owner signs Tuesday evening. Funding arrives Wednesday, November 4, the next business day, ahead of Friday's payroll.
Same owner, incomplete file: the October statement for the second account is missing on Tuesday and arrives Thursday morning. The decision comes Thursday, funding often Friday, and payroll is at risk. Nothing about the owner changed; only the file did. Two days were lost to one missing PDF, which is why the documents page asks multi-unit owners to upload every entity together.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
No. A fast request is read against the same published tiers: 6+ months and FICO 600+ for revenue-based financing, 3+ years and FICO 650+ for the line of credit and term loan. Scores from 500 are considered. What speed rewards is preparation, not a lower bar. An owner who checks negative days, NSFs and deposit count against the tier before applying avoids a decision that comes back with a smaller amount or a different product than expected. Existing positions are counted the same way, and a new structure can lower the total payment.
Merchant Fund Express does not promise money within a set number of hours. The requirements page lists every threshold.
Merchant Fund Express gives a same-day decision on a complete file, and funding often follows the next business day.
When the file is complete: three months of bank PDFs, entity and owner details, the brand name and every current payment.
Disbursement depends on signing time, bank cutoffs, weekends and holidays. The decision and the money are separate steps.
It waits on a vendor quote. Send the quote with the statements and the file is complete from the start.
Only if entities arrive separately. Upload statements for every entity at once and the review proceeds as one file.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
