Contract income through a business bank account? We review those deposits, not a paycheck. Sole proprietors welcome. 5-minute application.
Check My OffersIndependent Contractors
Send about three months of business statements and skip the 1099 stack. We start with a soft pull and consider FICO 500+.
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 recent statements to review. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered, weighed alongside how reliably your clients pay into the account.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can plan around slow invoice weeks.
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.
If you get paid on 1099s, your income may come from a handful of clients, arrive on uneven dates, and look nothing like a paycheck. That is normal for contract work. What helps most when you apply with Merchant Fund Express is having that income land in a dedicated business bank account, because that account is what we review.
Sole proprietors can apply. You do not need to form an LLC or corporation first, though you do need a business that is established and bringing in steady deposits.
A funder reviewing a contractor's statements tends to ask:
Client concentration is not a disqualifier on its own, but it is something a funder will notice. If your deposits swing a lot, our page on funding with irregular deposits explains how that gets weighed.
About three months of business bank statements and a 5-minute application. No tax returns are required, so you do not have to wait on a stack of 1099s or a filed Schedule C. We start with a soft credit pull and consider FICO 500+. More on that at funding for sole proprietors.
Offers start at $25,000 and can go up to $5,000,000, sized mainly to your deposits and current obligations. Contractors often use working capital or a business line of credit to cover tools, travel, subcontractors, or the wait between finishing a job and getting paid. Equipment financing and revenue-based financing are also available. Qualified businesses can be funded in as little as 24 hours, and each offer shows the full repayment amount and schedule before you accept. Apply now.
No. Sole proprietors can apply. What matters most is a business bank account with steady deposits.
We review business bank statements. If your contract income goes into a personal account, consider moving it to a dedicated business account so the activity is clear.
A funder will note client concentration, but it is weighed with the consistency of payments, your balances and your obligations. It is not treated as a decision by itself.
No tax returns are required. About three months of business bank statements is the core of the review.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
A few changes make contractor statements easier for any funder to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding