Your biggest customer is behind and your bills are not. Apply in 5 minutes with a soft pull and get offers based on your deposit history.
Cover the GapLate Payments
We review about three months of business statements, so a steady history can carry weight even when the latest weeks look thin.
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.
Recent statements and a 5-minute application. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered, weighed with your deposit history before the late payment hit.
Your offer states the total repayment amount up front. No surprise costs after you sign.
The schedule is laid out in the offer, so you can plan around when the late payment should arrive.
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.
It is usually not your slowest customer that causes the problem. It is your biggest one, the account you planned around, deciding to pay three weeks late. Suddenly payroll, a supplier invoice and the lease all need cash that is sitting in someone else's accounts payable queue.
Merchant Fund Express looks at the business behind that late payment: how steady your deposits have been, what your balances look like, and what you already owe.
A funder reviewing your statements may see a dip in deposits or a lower balance in the most recent weeks. That is weighed against the months before. A business with a steady history and one late customer reads very differently from one where deposits have been sliding for a while. If the late payment pushed your balance negative on some days, see funding with negative balance days. Concentration matters too: if one customer is a large share of revenue, a funder will notice.
A 5-minute application, a soft credit pull to start, and about three months of business bank statements. No tax returns are required, and FICO 500+ is considered. Options include working capital, a business line of credit, a merchant cash advance and revenue-based financing, from $25,000 to $5,000,000. Qualified businesses can be funded in as little as 24 hours, and your offer shows the full repayment amount and schedule before you accept. Related reading: funding while waiting on receivables. Apply now.
It helps. Telling us about the late customer gives context to a recent dip in deposits.
No. Our review is based on your business bank statements and application.
Aim for the shortfall between now and when the payment is expected, plus a modest cushion. The amount offered depends mainly on your deposits and existing obligations.
Funding is repaid on the schedule in your offer regardless of whether the customer pays, so factor that risk into how much you take.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
Late payers are a risk you can reduce over time.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding