Merchant Fund Express
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Merchant Cash Advance in Indiana Based on Your Sales

Indiana businesses with steady sales can get $25,000 to $5,000,000 against future revenue. Bank statements only, no tax returns, FICO 500+ considered.

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Indiana Merchant Cash Advance

Turn steady Indiana sales into working cash

Restaurants, shops, and service businesses across Indiana use an advance to act on an opportunity now and repay as sales come in.

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 Indiana owners get with us

Fast and light

A 5-minute application plus about three months of bank statements. Funding in as little as 24 hours for qualified businesses.

Sales over score

FICO 500+ considered. Your deposits drive the conversation.

Total cost in writing

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Clear repayment plan

Your repayment schedule is laid out in the offer up front.

Need capital this week?

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 tied to the sales you already make

A merchant cash advance gives your business a lump sum in exchange for a share of future sales. It is built for businesses with steady card or deposit activity: a diner in Fort Wayne, a tire shop in Evansville, a boutique in Bloomington, an auto parts store outside Indianapolis. Because the advance follows your sales, the conversation starts with your deposits, not your tax returns.

We offer merchant cash advances from $25,000 up to $5,000,000 to established Indiana businesses.

Where it makes sense

An advance works best for a clear, near-term use that brings revenue back in. Indiana owners commonly use one to:

For a steady, recurring need, compare a business line of credit in Indiana.

What we look at

We review about three months of business bank statements to see the size and consistency of your deposits and what you already owe. FICO scores of 500 and up are considered. Sole proprietors can apply. The application takes about five minutes and starts with a soft credit pull.

Knowing the cost before you commit

Your offer shows the full repayment amount and the repayment schedule before you accept. Read both against an ordinary month, not your strongest one. If a slow month would make the payments uncomfortable, ask for a smaller amount. A right-sized advance is more useful than a large one that squeezes cash flow.

Questions Indiana owners ask us first

Most owners want to know three things: how much, how fast, and what it costs. The amount follows your deposits and current obligations. Speed depends on how complete your file is, with funding in as little as 24 hours for qualified businesses. Cost is spelled out in the offer, including the full repayment amount, before you accept anything. If any part of the offer is unclear, ask before you sign. A good decision on an advance starts with understanding exactly how repayment will flow out of your sales week to week.

Getting started

Fill out the short application and upload your recent statements. Funding can arrive in as little as 24 hours for qualified businesses once the offer is accepted and verified.

Frequently Asked Questions

How is a merchant cash advance different from a loan?

An advance is purchased against your future sales rather than lent on a fixed schedule like a bank loan. Your offer explains exactly how repayment works.

Do I need to take credit cards?

Steady deposits are what matter most. Card sales help, but we look at your overall deposit activity.

What credit score is needed?

FICO scores of 500 and up are considered.

How much can my Indiana business get?

Between $25,000 and $5,000,000, based mainly on your deposits and existing obligations.

Is there a lot of paperwork?

No. About three months of business bank statements and a 5-minute application. No tax returns.

Holiday stock $45,000.00
Kitchen repair $27,000.00
New location $150,000.00
Supplier deal $62,000.00

Example uses for illustration only.

How to improve your chances

Here is how to put your best file forward.

  • Keep sales flowing into one business account
  • Have three full months of statements ready
  • Write down what the funds will pay for
  • List any advances or loans you carry now

A merchant cash advance vs. a bank loan

Merchant Fund Express
Traditional bank loans
Based on
Your deposits and sales
Credit, collateral, financials
Documents
About 3 months of bank statements
Tax returns and more
Credit
FICO 500+ considered
Usually strong credit
Speed
As little as 24 hours if qualified
Often weeks
Application
5 minutes
Lengthy process

Put your Indiana sales to work

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

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