Banks often want two full years. We focus on the deposits your LLC is producing right now. Apply in about 5 minutes with a soft credit pull.
See My OffersNewer Businesses
Send about three months of business bank statements, skip the tax returns, and get offers sized to what your LLC actually brings in.
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.
A 5-minute application and recent bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is reviewed alongside your deposits, so a thin business credit history is not the only lens.
Your offer shows the total repayment amount before you accept. No surprise costs appear after you sign.
The repayment schedule is spelled out in the offer, so you can match it to your cash flow before committing.
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.
Banks often draw a hard line at two years in business. If your LLC is younger than that but already brings in steady revenue, that line can feel arbitrary. At Merchant Fund Express we build our review around what is happening in your business bank account now: how much comes in, how consistently, and what is already committed to other payments.
Time in business is a signal, not a verdict. A newer LLC gives a funder less history to read, so the history that does exist gets more attention. Things that tend to matter:
If you operated as a sole proprietor before forming the LLC, tell us. That earlier track record can help the file make sense.
Expect a 5-minute application, a soft credit pull to start, and about three months of business bank statements. No tax returns are required, which helps when your first full return as an LLC has not been filed yet. We consider FICO 500+. For a closer look at the one-year mark, see funding with one year in business, and if your account was opened recently, read funding with a new business bank account.
Funding ranges from $25,000 to $5,000,000, though a newer LLC will usually be sized by its current deposit level. Depending on your file, offers may include working capital, a merchant cash advance, a business line of credit, equipment financing, or revenue-based financing. Qualified businesses can be funded in as little as 24 hours. Each offer states the full repayment amount and schedule before you accept. Apply here when you are ready.
We work with established businesses that have steady deposits. We do not publish a hard cutoff, and time in business is weighed together with your bank activity and existing obligations.
It can help. Let us know the history so a funder can see the full track record rather than only the date on your LLC paperwork.
No tax returns are required. We review about three months of business bank statements instead.
Amounts depend mainly on your deposits and what you already owe. A younger business is typically sized to what its recent statements support.
We start with a soft credit pull, which does not show up as a hard inquiry.
Example uses for illustration only.
Younger LLCs can strengthen a file with a few habits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding