Merchant Fund Express
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Funding for License and Permit Costs

Pay the license, permit or renewal fee and cover what it lets you start. Working capital from $25,000 for established businesses.

See My Options

License & Permit Working Capital

The fee is small. What it opens up is not.

A new license often means new equipment, inventory and staff too. We size funding around your deposits so the whole step is covered, with the full cost shown 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.

Why owners use us for permits

Quick and light on paperwork

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

Flexible on credit

FICO 500+ is considered, and your deposits carry real weight in the review.

Know the total up front

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

A schedule you can see

The repayment schedule is spelled out in your offer before you commit, so permit timing never catches you off guard.

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.

Permits are the cost nobody budgets for

A liquor license transfer, a building permit for a buildout, a state contractor license renewal, a health department inspection fee, a new vehicle registration for the fleet. Each one is a gate: the work or the revenue cannot start until it is paid. For an established business, the fee itself is rarely the problem. The problem is that it shows up at the same time as the deposit, the equipment and the extra staff the new work requires.

That is where funding for license and permit costs comes in. We offer working capital from $25,000 to $5,000,000, and you can apply in about 5 minutes.

What underwriting actually looks at

A permit is a one-time cost, but repayment comes from your ongoing revenue, so that is where the review focuses:

  1. Bank deposits. About three months of business bank statements show what the business brings in each month.
  2. Existing obligations. Loans, leases or advances already being paid affect how much more the account can carry.
  3. Credit history. FICO 500+ is considered. It is one input among several.
  4. The full project cost. If the permit opens the door to a bigger job, sizing the request to the whole job, not only the fee, tends to make more sense.

No tax returns are required, and the first check is a soft credit pull.

Bundle the permit with what it enables

Owners who come to us for a permit usually need more than the permit. A restaurant adding a bar needs the license plus glassware, coolers and initial inventory. A contractor moving into a new trade needs the license plus tools and insurance. Planning the request around the whole step avoids coming back a month later for a second round. Our guide on sizing a funding request walks through that math.

Products that fit

Working capital is the straightforward choice for a single large fee. A business line of credit suits businesses with renewals and inspection fees scattered through the year. Equipment financing covers the machines or vehicles a new license lets you put to work. Sole proprietors can apply too.

Clear terms before you commit

Your offer shows the full repayment amount and the repayment schedule before you accept. If the permit timeline shifts, you already know what you owe and when.

Frequently Asked Questions

Can funding cover a liquor license?

Working capital can go toward license costs, including liquor licenses, along with the inventory and equipment that come with them. The review focuses on your deposits, existing obligations and credit.

Does the permit need to be approved before I apply?

No. Many owners apply while the permit is pending so the money is ready when the fee is due. Applying early also gives you time to compare offers.

What paperwork do you need?

About three months of business bank statements and a short online application. No tax returns are required.

Can a new license holder apply?

We work with established businesses that have steady deposits. If your business already has a deposit history, a new license or permit for an added line of work is not a barrier to applying.

How quickly can I get the funds?

Funding can arrive in as little as 24 hours for qualified businesses, which helps when a permit office sets a short payment window.

Liquor license $40,000.00
Building permit $12,500.00
Contractor license $8,900.00
Fleet registration $16,200.00

Example uses for illustration only.

How to improve your chances

These steps make a license or permit request easier to evaluate.

  • Get the official fee schedule from the permit office
  • Price the equipment and inventory the license enables
  • Keep business and personal deposits separate
  • Apply while the permit is pending, not after

Permit funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application time
About 5 minutes
Hours of forms and meetings
Paperwork
Around 3 months of statements
Tax returns, projections
Credit range
FICO 500+ considered
Often 680+ expected
Timing
As little as 24 hours if qualified
Weeks to close
Initial credit check
Soft pull
Hard pull

Cover the fee and get to work

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

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