Low W-2 salary and big deductions can make an S corp look small on paper. We review business bank activity instead of tax returns.
Start My ApplicationBusiness Structure
About three months of business statements, a 5-minute application and a soft credit pull. No 1120-S or K-1 required.
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.
Skip the tax return package. Recent statements and a short application, with funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, reviewed next to the deposit strength of the corporation.
Every offer lists the full repayment amount before you accept, and nothing gets added after you sign.
The schedule is laid out in the offer up front so you can plan it around payroll and distributions.
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.
Many S corp owners pay themselves a reasonable salary and take the rest as distributions, or leave profit in the company. That can be smart tax planning, but it can make personal income look thin on a loan file, and the corporate return may show lower net income after deductions. A bank reading only the paperwork can come away with a smaller picture than the business deserves.
Merchant Fund Express starts from a different place: the money moving through your business bank account.
We ask for about three months of business bank statements and a short 5-minute application. No tax returns are required, so your K-1, 1120-S and personal return are not the center of the review. A funder looks at:
For more on a statements-first review, see funding with bank statements only and funding without tax returns.
If customer payments land in a personal account and then get moved over, the business statements understate what the company earns. Deposits that go straight into the corporate account give a clearer view.
Large owner draws are normal, but timing them right before a statement period ends can leave the balance looking thin. Being aware of that helps.
Offers can include working capital, a merchant cash advance, a business line of credit, equipment financing, or revenue-based financing, from $25,000 to $5,000,000. Qualified businesses can be funded in as little as 24 hours. You will see the full repayment amount and the schedule before you accept anything. Start the application with a soft credit pull.
No. No tax returns are required. We review about three months of business bank statements plus your application.
We focus on business deposits rather than your W-2 salary from the S corp, so a modest salary does not drive the review the way it might at a bank.
We look at the owner's personal credit with a soft pull to start, and FICO 500+ is considered.
Yes. Share who the owners are on the application so the file is complete. Requirements for each owner can vary by offer.
Common uses include inventory, payroll, equipment, expansion and covering gaps while customers pay.
Example uses for illustration only.
S corp owners can make their statements easier to read with a few habits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding