Merchant Fund Express
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Funding for Hiring Staff

Bring on the people you need to take on more work. We fund established businesses from $25,000 to $5,000,000 with a 5-minute application and no tax returns.

Fund My Hires

Hiring and Payroll Funding

Cover payroll while your new team ramps up

Hiring for growth means paying wages before the extra revenue arrives. Working capital keeps payroll steady while new staff get up to speed.

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.

Why owners fund hiring with us

Fast, light paperwork

About three months of bank statements and a 5-minute application. Funding in as little as 24 hours for qualified businesses.

Credit is weighed, not gatekept

FICO 500 and up is considered, with your deposits and obligations read alongside your score.

Full cost before you commit

The total repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Payments you can plan for

The repayment schedule is laid out in the offer up front, so you can line it up with your payroll calendar.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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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.

New hires cost money before they make money

Every new employee comes with a ramp-up period. You pay for job ads, background checks, uniforms, tools and training, then carry full wages for weeks before that person is fully productive. If you are hiring several people to take on more work, the payroll jump can hit before the extra revenue does.

We provide working capital so established businesses can staff up for growth. Funding ranges from $25,000 to $5,000,000, and you can apply in about 5 minutes.

What funders weigh for a hiring request

The review looks at the business you run now:

  1. Deposit history. About three months of business bank statements show the revenue base that will support the new payroll.
  2. Existing payroll and obligations. Current payments, including payroll and any existing financing, show how much room there is.
  3. Credit. FICO 500 and up is considered, read together with your bank activity.
  4. The reason for hiring. New contracts, extended hours, or a second location help explain why the extra staff will pay off.

For more on covering wages, see our payroll funding guide.

Costs owners typically fund

A lump sum fits a planned hiring wave. A business line of credit fits gradual hiring where you add people as work comes in.

Plan the ramp

Map out when each hire starts and when you expect their work to show up in revenue. That timeline helps you request the right amount and pick a product whose repayment schedule fits. It also keeps you from hiring faster than your deposits can comfortably support. No tax returns are required, sole proprietors hiring their first employees can apply, and funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

Can I use business funding to pay new employees?

Yes. Working capital can cover wages, training, recruiting and equipment for new staff while they ramp up.

I am a sole proprietor hiring my first employee. Can I apply?

Yes. Sole proprietors can apply. The review looks at your business deposits, existing obligations and credit.

How much hiring funding can I get?

Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and current obligations, including existing payroll.

Lump sum or line of credit for hiring?

A lump sum fits a planned hiring push. A line of credit fits adding people over time, since you draw only as you need it.

Will I know the total cost before I accept?

Yes. Your offer shows the full repayment amount and schedule before you accept, with no surprise costs after you sign.

What if a new hire does not work out?

Turnover happens. Budget for some recruiting and training costs twice, and size the request around what your current deposits can support so one bad hire does not throw off your repayment plan.

Training wages $24,000.00
Recruiting ads $6,500.00
Tools and gear $11,000.00
New shift payroll $42,000.00

Example uses for illustration only.

How to improve your chances

Some planning before you apply helps size hiring funding correctly.

  • Map each hire's start date and expected output
  • Run payroll through your business account
  • Know your current monthly payroll total
  • Have the new work or contract details ready

Hiring funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms and meetings
Documents
About 3 months of statements
Tax returns and projections
Credit
FICO 500+ considered
High score typically needed
Speed
As little as 24 hours if qualified
Weeks before funds arrive
Sole proprietors
Can apply
Often steered elsewhere

Build the team your business needs

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

Apply for Funding
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