You pay suppliers now and collect in 30 days or more. Get funding based on your deposits so terms do not choke your growth.
See My OptionsPayment Terms
Apply in about 5 minutes with a soft pull. We review about three months of business statements and consider FICO 500+. No tax returns.
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.
Recent statements and a short application. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered, weighed with how reliably your customers pay on terms.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
Repayment is laid out in the offer up front, so you can line it up with your collection cycle.
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.
Offering net 30 helps you win commercial accounts. It also means you pay for labor and materials now and collect a month later, or longer when customers stretch the terms. The more you grow, the bigger that gap gets, because each new order adds costs before it adds cash.
Merchant Fund Express offers funding for established businesses based on their bank deposits, which suits companies whose revenue runs on terms.
For illustration: a distributor that sells $60,000 a month on net 30 has roughly a month of sales outstanding at any time. If sales jump to $90,000, the outstanding balance grows too, and the cash to pay suppliers for that extra volume has to come from somewhere before customers pay. The business is doing better and feels tighter at the same time.
Statements from a net 30 business often show payments arriving in clusters, with costs going out steadily. A funder looks at:
You can learn more on funding while waiting on receivables and funding when a customer pays late.
A business line of credit is a natural fit for recurring gaps, since you can draw when needed. Working capital, merchant cash advances, revenue-based financing and equipment financing are also available, from $25,000 to $5,000,000. Apply in about 5 minutes with a soft credit pull and about three months of business bank statements. No tax returns are required, and FICO 500+ is considered. Qualified businesses can be funded in as little as 24 hours, with the full repayment amount and schedule shown before you accept. Apply here.
No. We review your business bank statements and application, not your customers.
If the gap repeats every month, a line of credit often fits better. A lump sum can suit a one-time jump, like a large new order.
Longer terms mean a longer gap between costs and cash. A funder will see that in how your deposits are spaced.
It depends mainly on your deposit history and current obligations, not on the size of your outstanding invoices.
About three months of business bank statements and a 5-minute application. No tax returns are required.
Example uses for illustration only.
A few practices shrink the net 30 gap over time.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding