Invoices are out and payroll is due. Get funding based on your bank deposits, without selling invoices or involving your customers.
Bridge the GapCash Flow Gaps
About three months of statements, a 5-minute application, and a soft credit pull. Funds are not tied to a single invoice.
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.
A short application and recent statements. Qualified businesses can be funded in as little as 24 hours.
Credit is reviewed next to your payment history from customers, as shown in your deposits.
Your offer lists the total repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is in the offer up front, so you can compare it to when invoices should clear.
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.
You delivered the job, sent the invoice, and now you wait. Meanwhile rent, payroll and suppliers do not wait with you. Receivables are money you have earned, but they do not cover this Friday's obligations. Merchant Fund Express helps established businesses bridge that window with funding based on their bank deposits.
Invoice factoring sells specific invoices to a factor, which collects from your customer. It ties the money to those invoices and often involves your customer. Our guide to invoice factoring covers how that works.
What we offer looks at the business as a whole: about three months of business bank statements, your daily balances, and what you already owe. Your customers are not contacted, and the funds are not tied to a single invoice. Working capital, a business line of credit, a merchant cash advance and revenue-based financing all fall here. For a side-by-side, see invoice factoring vs. merchant cash advance.
When a lot of your revenue sits in receivables, deposits can come in lumps rather than a steady stream. A funder will look at how regularly those lumps arrive, whether the account stays positive between them, and how concentrated your customer base is. A long history of customers paying, even slowly, reads differently than a single large invoice that has not cleared yet.
Apply in about 5 minutes with a soft credit pull. We consider FICO 500+ and do not require tax returns. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Your offer lists the full repayment amount and the payment schedule before you accept, so you can check it against when your receivables are expected to land. Start here.
No. Factoring sells specific invoices. We review your overall business deposits, and your customers are not involved.
Our core review uses about three months of business bank statements. Sharing context about large pending invoices can help explain lumpy deposits.
We do not contact your customers as part of our review.
The amount depends mainly on your deposit history and current obligations, not on the face value of your outstanding invoices.
Terms vary by product and offer. Check the repayment details in your offer before you accept, and ask about early payoff if that is your plan.
Example uses for illustration only.
Tightening your receivables process helps every future funding request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding