Merchant Fund Express
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Funding for Veteran Owned Businesses

You built the business after the service. We look at its deposits, not a stack of tax returns. $25,000 to $5,000,000, FICO 500+ considered.

Check My Options

Veteran Owned Business Funding

Straightforward capital for established veteran-run businesses

Three months of bank statements, a 5-minute application, and a soft credit pull to start. Funding in as little as 24 hours for qualified businesses.

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 veteran owners work with us

Fast, light paperwork

A 5-minute application and about three months of bank statements. Decisions move fast, with funding in as little as 24 hours for qualified businesses.

Credit is one factor

FICO 500+ is considered. We weigh deposits and existing obligations alongside your score.

Full cost up front

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

Repayment you can plan

The repayment schedule is laid out in your offer up front so you can plan around it.

Payroll before sales come in?

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.

Built for veterans who already run the business

A lot of veterans leave the service, open a shop, a contracting outfit, or a trucking yard, and spend years building steady revenue. When that business needs capital, the bank process can feel like more paperwork than a deployment packet. We keep it simpler. Our underwriting looks at how the business performs today: its deposits, its consistency, and what it already owes.

Veteran status does not change the way we review a file, and we do not run a special veteran program. What we offer is the same straightforward process every established owner gets: a 5-minute application, a soft credit pull to start, and funding from $25,000 to $5,000,000.

What funders actually weigh

No tax returns are required to apply, which helps owners whose books are still catching up after a busy year.

Products veteran owners use most

Most requests fall into a few buckets. A business line of credit covers recurring gaps like payroll timing. Working capital handles a one-time push such as a new contract. Equipment financing pays for trucks, tools, or machines. A merchant cash advance or revenue-based financing ties repayment to sales, which some card-heavy businesses prefer.

Sole proprietors welcome

Plenty of veteran-owned businesses are one-person operations. Sole proprietors can apply the same way an LLC or corporation does.

Before you apply

Pull your last three months of business bank statements, list any current loans or advances with their payments, and decide what the money is for. A clear use, like "two vans and a quarter of payroll," helps us match you to the right product. Decisions move fast, with funding in as little as 24 hours for qualified businesses. Every offer shows the full repayment amount before you accept.

Mistakes we see veteran owners avoid

The most common snag is not credit. It is a request that does not match the business. Asking for a large lump sum when the real need is a recurring payroll gap usually leads to a payment that feels heavy in slow months. Another is running revenue through a personal account, which makes deposits hard to verify. A third is taking on several small obligations at once, which stacks payments and limits what a new offer can carry. Start with a clear use of funds, a business account that shows your real revenue, and an honest list of what you already owe. That gives any reviewer, us included, the clearest picture of what your business can support.

Frequently Asked Questions

Do you have a special program for veteran owned businesses?

No. We review veteran-owned businesses the same way we review every established business: deposits, existing obligations, credit, and how the business operates.

What credit score do I need?

FICO 500+ is considered. Credit is weighed alongside your deposit history and current obligations.

Will applying hurt my credit?

We start with a soft credit pull, so checking your options does not begin with a hard inquiry.

What documents do I need?

About three months of business bank statements. No tax returns are required to apply.

How much can I get?

Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and what the business already owes.

Work trucks $85,000.00
Payroll cushion $40,000.00
New contract $120,000.00
Shop equipment $60,000.00

Example uses for illustration only.

How to improve your chances

A few steps make a veteran-owned business file easier to review.

  • Keep business and personal spending in separate accounts
  • Deposit revenue consistently instead of in lumps
  • List current loans and advances with their payments
  • Write down exactly what the funds will pay for

How we compare to a typical bank loan

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Long forms and meetings
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Often much higher scores
First credit check
Soft pull to start
Hard pull early
Speed
As little as 24 hours if qualified
Weeks to months

Put your service-built business to work

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

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