Merchant Fund Express
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Funding for Women Owned Businesses

Working capital from $25,000 for established women-owned businesses with steady deposits. A 5-minute application and a soft credit pull to start.

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Women-Owned Business Funding

A clear answer based on how your business performs

We look at your deposits, existing obligations and credit, then show the full repayment amount and schedule before you accept anything.

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.

What you can expect from us

Fast, minimal paperwork

About three months of statements and a 5-minute application. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ is considered, and your deposit history carries real weight.

No hidden costs

Your offer shows the full repayment amount before you accept. No surprise costs come up after you sign.

Predictable repayment

The repayment schedule is laid out in your offer up front, so you can budget with confidence.

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.

Funding built on how your business performs

Women run salons and med spas, daycares, dental and therapy practices, boutiques, cleaning companies, restaurants, construction firms and trucking operations. What they need from a funder is the same as any owner: a fast, clear answer based on how the business actually performs.

That is how we approach funding for women owned businesses. We offer working capital from $25,000 to $5,000,000 for established businesses with steady deposits, and the 5-minute application starts with a soft credit pull.

What the review actually looks at

Ownership does not change how we evaluate an application, and we do not offer special set-aside programs. The factors funders weigh are the same for every business:

  1. Bank deposits. About three months of business bank statements.
  2. Existing obligations. Payments already coming out of the account.
  3. Credit. FICO 500+ is considered, read next to deposits.
  4. The use of funds. A clear plan helps size the request.

No tax returns are required, and sole proprietors can apply.

Where owners put the money to work

Common uses include hiring staff ahead of a busy stretch, adding chairs or treatment rooms, buying inventory at better prices, upgrading equipment and opening a second location. If growth is the goal, see funding for a second location or funding for hiring staff.

Products to consider

Working capital covers a single project or purchase. A business line of credit fits recurring needs like payroll timing or restocking. Equipment financing covers chairs, lasers, ovens, vehicles and other gear. A merchant cash advance or revenue-based financing can suit card-heavy businesses because repayment can follow sales.

Getting ready to apply

Start with about three months of business bank statements from the account where your revenue lands. If personal and business spending are mixed in one account, the statements are harder to read, so separating them helps over time. Jot down what the funds will cover, whether that is two new hires, a build-out or a large inventory order, and list any loans or leases you already pay. With that ready, the application takes about 5 minutes, and a soft credit pull is the first step.

If you are also pursuing certifications or programs

Many women business owners pursue certifications or public programs. Those are separate from us and often take time. Working capital can cover needs in the meantime. Every offer shows the full repayment amount and schedule before you accept, so you can compare it to anything else you are considering.

Frequently Asked Questions

Do you have a special program for women-owned businesses?

No. We review every application on the same factors: deposits, existing obligations and credit. That keeps the process fast and consistent.

Can a woman sole proprietor apply?

Yes. Sole proprietors can apply. We need about three months of business bank statements and a short application.

What credit score do I need?

FICO scores from 500 are considered. Credit is weighed together with your deposit history.

Do I need tax returns or a business plan?

No tax returns are required. A short description of how you plan to use the funds helps size the request.

How soon could I receive funds?

Funding can arrive in as little as 24 hours for qualified businesses.

New styling chairs $18,000.00
Hire two staff $32,000.00
Boutique inventory $24,500.00
Second location $95,000.00

Example uses for illustration only.

How to improve your chances

These steps help any owner present a stronger application.

  • Keep business deposits in a dedicated account
  • Write a short plan for how the funds will be used
  • Know your current monthly payment obligations
  • Check your credit report for errors before applying

Women-owned funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms, meetings
Documents
Around 3 months of statements
Tax returns, business plan
Credit
FICO 500+ considered
Higher scores expected
Speed
As little as 24 hours if qualified
Weeks
Sole proprietors
Can apply
Sometimes harder to place

Grow on your own terms

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

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