A lump sum repaid from future sales for Illinois restaurants, shops and service businesses with steady card or bank deposits.
Get My AdvanceIllinois Merchant Cash Advance
Chicago, Springfield, Rockford or a small downstate town, if sales come in steadily, an advance can fund inventory, repairs or growth. Funding in as little as 24 hours if qualified.
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.
About 5 minutes plus roughly three months of bank statements. No tax returns.
FICO 500+ considered. Your sales history matters a great deal.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
How and when repayment is collected is laid out in your offer up front.
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.
Illinois businesses run on very different rhythms. A Chicago restaurant feels every winter cold snap and every summer festival weekend. A Peoria auto shop sees steady work year round. A retailer in a college town rises and falls with the semester. What many share is daily card sales, and that is exactly what a merchant cash advance is built around.
With an advance from Merchant Fund Express, you receive a lump sum in exchange for a portion of future sales, repaid under the terms set out in your offer.
If your business is project-based with large invoices and few card sales, working capital in Illinois may suit you better. For repeated smaller needs, look at a business line of credit in Illinois.
The 5-minute application starts with a soft credit pull. Then we ask for about three months of business bank statements. No tax returns are required. FICO scores of 500 and up are considered, and sole proprietors can apply.
Advances range from $25,000 to $5,000,000. The amount depends mainly on how much and how consistently your sales are deposited, and on any financing you are already repaying.
Before taking an advance, think about what the cash will do. Will it bring in more sales, like stock ahead of the holidays, or protect sales, like fixing a broken cooler? Can your slowest weeks carry the repayment described in your offer? Are you already repaying another advance? Clear answers help us steer you toward the right product, and sometimes the honest answer is a different one.
Before you accept, your offer shows the full repayment amount and how repayment will be collected. Take time to compare that against your typical slow weeks, not just your best ones. A Chicago patio bar, for example, should check the plan against January deposits as well as July. Once signed, qualified businesses can be funded in as little as 24 hours.
You receive a lump sum in exchange for a share of future sales. Repayment follows the terms and schedule shown in your offer.
No. An advance is a purchase of future receivables rather than a loan, and it is repaid from sales.
Yes, seasonal patterns are common. We review your recent deposits and factor in your cycle.
FICO 500 and up, starting with a soft credit pull.
Qualified businesses can be funded in as little as 24 hours after signing.
The short application and about three months of business bank statements. No tax returns are required.
Example uses for illustration only.
A few habits can improve how your sales history reads.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding