Merchant Fund Express
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Funding for Businesses with Large Orders

Say yes to the big order. Working capital from $25,000 to buy materials, add labor and carry costs until your customer pays.

Fund My Order

Large Order Working Capital

Fulfill the order without starving the rest of the business

Big orders need cash before they pay. We look at your deposits and current obligations, then show the full repayment amount before you accept.

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.

Built for order-driven growth

Quick and simple to apply

5 minutes online with about three months of statements. Funding in as little as 24 hours for qualified businesses.

More than a credit score

FICO 500+ is considered, and your deposit history weighs heavily in the review.

Total cost in writing

The full repayment amount is shown in your offer before you accept, with no surprise costs after signing.

Schedule set in advance

The repayment schedule is laid out in your offer up front, so you can plan it against the order's payment date.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

A big order is good news with a cash problem attached

A distributor doubles its usual order. A hotel chain wants custom furniture for forty rooms. A school district orders uniforms for the fall. Landing an order like that is what owners work for, but the materials, labor and freight all have to be paid before the customer pays you, sometimes weeks after delivery.

We provide funding for businesses with large orders so you can say yes without draining the account that runs everything else. Working capital ranges from $25,000 to $5,000,000, and you can start in about 5 minutes.

What funders weigh on an order-driven request

The order itself is context. The review centers on the business that will fulfill it:

No tax returns are required, and we start with a soft credit pull.

Size the request to the whole cycle

Owners sometimes fund the raw materials and forget the rest: overtime, temporary staff, extra freight, packaging, and the stretch between delivery and the customer's payment. Mapping the full cycle from purchase to payment gives a more realistic number. If your customer pays on terms, our page on funding for businesses with net 30 customers covers that side. For background on order-based options, see what purchase order financing is.

Which products fit large orders

Working capital covers the up-front costs of a single large order. A business line of credit suits businesses that land big orders several times a year. Equipment financing helps if the order requires a new machine to produce. Revenue-based financing can work when repayment should follow your incoming sales. Sole proprietors can apply.

Know the cost before you commit

Your offer shows the full repayment amount and schedule before you accept, so you can check it against the margin on the order and decide whether it pencils out.

Frequently Asked Questions

Do I need to show the purchase order?

It helps explain the request, but the review focuses on your bank deposits, existing obligations and credit. Having the order details handy makes sizing easier.

Can I fund materials and labor together?

Yes. Working capital can cover materials, labor, freight and other costs tied to fulfilling the order.

What if the order is much bigger than my normal month?

Funders weigh the order against your usual deposit volume. A very large jump may affect how much is offered, so it is worth discussing your fulfillment plan when you apply.

What documents are required?

About three months of business bank statements and the 5-minute application. No tax returns are required.

How quickly can I have funds?

Funding can arrive in as little as 24 hours for qualified businesses, which helps when a supplier needs payment to start production.

Raw materials $64,000.00
Temp labor $23,500.00
Freight $11,200.00
Packaging $9,750.00

Example uses for illustration only.

How to improve your chances

Preparing a few items helps a large-order request move faster.

  • Have the order quantity, price and delivery date ready
  • Get supplier quotes for materials and freight
  • Map when your customer is expected to pay
  • List current payments already leaving the account

Order funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy loan package
Paperwork
Around 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
High score usually expected
Speed
As little as 24 hours if qualified
Often weeks
Credit check to start
Soft pull
Hard pull

Take the order and fund it

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

Apply for Funding
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