Agencies pay, just not fast. Get funding based on your business deposits to cover payroll, materials and mobilization while invoices process.
Get My OffersGovernment Contracting
Primes and subs can apply in about 5 minutes. We review about three months of business statements, 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.
No proposal-sized document package. Recent statements, a short application, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, reviewed alongside the deposit history your contracts have produced.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out up front, so you can line it up against expected payment cycles.
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.
Government agencies are usually dependable payers, but the timeline can be long. Invoices go through approvals, payment systems have their own cycles, and a new contract often needs staff, materials or equipment before the first payment arrives. Prime contractors and subcontractors alike end up financing the work out of pocket for a while.
Merchant Fund Express offers funding based on your business bank deposits to help established contractors carry that gap.
A signed contract is useful context, but funders typically lean on what your bank statements already show. Deposits that come in lumps are covered on our irregular deposits page.
Contractors use funding to mobilize for a new award, cover payroll during the first invoice cycle, buy materials, add equipment, or keep commercial work running while government payments process. Equipment financing fits tools and vehicles; working capital and a business line of credit fit ongoing costs. Merchant cash advances and revenue-based financing are also available depending on your file.
A 5-minute application, a soft credit pull, and about three months of business bank statements. No tax returns are required, and we consider FICO 500+. Funding runs from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Your offer shows the full repayment amount and schedule before you accept. Check that schedule against your expected payment dates. Start your application.
Our core review uses business bank statements. Sharing contract details can add context, especially if your deposits are lumpy.
Yes. Subcontractors on government work can apply, and the review centers on their own business deposits.
No. We review your overall business activity, and funding is not tied to assigning a specific government payment.
A funder will look at the deposits your business already has. A contract that has not paid yet is context, but existing deposit history carries more weight.
Start with the costs you must carry before the first payment clears, such as payroll, materials and mobilization, and add a modest cushion. The amount offered depends mainly on your deposits and existing obligations, so a funder may size it differently than the contract value.
No. About three months of business bank statements and a short application are what we ask for.
Example uses for illustration only.
Contractors can make their files stronger with a few habits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding