Merchant Fund Express
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Funding for Recovering After a Storm

Repairs, restocking, and payroll while insurance catches up. $25,000 to $5,000,000 for established businesses, FICO 500+ considered.

Start Recovering

Storm Recovery Funding

Get back to business while the claim works itself out

Download three months of statements, apply in 5 minutes, and see your full repayment amount before you accept. Funding in as little as 24 hours if qualified.

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.

Storm recovery funding, kept simple

Fast with minimal paperwork

Five-minute application and about three months of statements, downloadable even if paper records are gone.

Credit flexibility

FICO 500+ is considered. Storm dips in deposits are read in context.

Clear costs

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

Predictable repayment

Your repayment schedule is laid out up front so you can plan around the recovery.

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.

The storm passes. The bills stay.

Hurricanes, hail, tornadoes, flooding, and ice storms leave a business with a list: tear-out and repairs, spoiled inventory, damaged equipment, and payroll for staff you want to keep while customers are still cleaning up their own lives. Insurance claims and public assistance can take time, and the business still has to function in the meantime.

We fund established businesses with steady deposits from $25,000 to $5,000,000. The 5-minute application starts with a soft credit pull, and decisions move fast.

How funders read a post-storm file

Storm disruption usually shows in bank statements as a dip or a gap. Funders weigh:

Telling us what happened, what is damaged, and when you expect to be fully open gives the numbers context.

Where recovery money tends to go

  1. Building repairs. Roofing, drywall, and mitigation. For urgent facility work see emergency roof or HVAC repair funding.
  2. Equipment. Replacing coolers, machines, or vehicles through equipment financing.
  3. Inventory. Restocking what was lost.
  4. Payroll. Keeping trained staff while revenue rebuilds.

Coordinate with your insurance, do not depend on it

Funding can keep the doors open while a claim is processed, but size the request to what the business can repay even if the claim pays less or later than expected. Every offer from us shows the full repayment amount and schedule before you accept, and no tax returns are required, which matters when paper records may be waterlogged.

Sequencing the recovery

After a storm, the order of spending matters. Stop further damage first: tarps, water removal, and securing the building. Then restore what lets you earn revenue again, whether that is a cooler, a service bay, or a front counter. Cosmetic work can usually wait. Keep receipts and photos for every step, since they help with insurance and with understanding where the money went. Talk to your staff early about hours and pay so trained people do not drift to other jobs while you rebuild. Funding works best when it follows this sequence, covering the steps that get the business earning again before the steps that make it look finished.

Frequently Asked Questions

Can I apply while my insurance claim is still open?

Yes. Many owners use working capital to keep repairs and payroll moving while a claim is reviewed. Size the request to what you can repay regardless of the claim.

My statements show a big drop after the storm. Is that a problem?

Funders read storm disruption in context and look at deposits before and after the event, along with existing obligations.

My records were damaged. What do I need?

About three months of business bank statements, which you can usually download from your bank. No tax returns are required.

How fast can I get funds?

Decisions move fast, with funding in as little as 24 hours for qualified businesses.

Can I replace damaged equipment?

Yes. Equipment financing or working capital can cover replacement equipment and vehicles.

Water mitigation $35,000.00
Spoiled inventory $27,000.00
Equipment replacement $64,000.00
Staff retention $40,000.00

Example uses for illustration only.

How to improve your chances

After a storm, a few steps help a funding request move faster.

  • Download bank statements online if paper records were lost
  • Photograph damage and keep contractor estimates
  • Note your claim status and expected reopening date
  • Request only what you can repay if the claim runs late

Storm recovery funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks, sometimes longer
Documents
About 3 months of statements
Tax returns and appraisals
Credit
FICO 500+ considered
Higher scores expected
Credit check
Soft pull to start
Hard pull early
Storm dip in deposits
Read in context
Can stall review

Rebuild and reopen

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

Apply for Funding
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