Funding based on your sales for established Kentucky businesses. $25,000 to $5,000,000, FICO 500+ considered, three months of statements, no tax returns.
Get My OfferKentucky Merchant Cash Advance
Restaurants, retailers, and service shops across Kentucky use an MCA to act on busy seasons. We size it to the deposits you already have.
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.
Five minutes to apply and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your sales history carries real weight.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your offer lays out how and when repayment is collected before you commit.
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.
A merchant cash advance is funding based on your future sales. Instead of a bank weighing years of tax filings, we look at what your business actually brings in. That makes it a common choice for Kentucky businesses with daily sales: the bourbon-trail tasting room and gift shop, the Louisville restaurant, the Lexington boutique that does its best weeks around race meets, the auto repair shop in Bowling Green.
Merchant Fund Express offers advances from $25,000 to $5,000,000 for established businesses with steady deposits.
Repayment comes from your sales on the schedule set in your offer. Before you accept, the offer shows the full repayment amount and how payments will be collected, so there is nothing to discover later. We do not quote rates on this page because every offer is built from your own statements.
Because collections tie to the business, it helps to think ahead about your slower stretches. A Kentucky business that leans on spring and fall event traffic should look at whether the schedule works in January too.
FICO scores of 500 and up are considered, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses.
An MCA is not the answer to every cash question. If you need ongoing access you can draw from, look at a business line of credit in Kentucky. If the money is going into a specific machine or vehicle, equipment financing ties the funding to that asset. We would rather point you to the right product than the first one.
For illustration: a family-run restaurant in Louisville wants to renovate its patio before spring so it can seat more guests through Derby season and summer. Card sales are steady most of the year. An advance sized to those deposits covers the contractor and new furniture, and repayment follows sales on the schedule in the offer. Actual amounts depend on deposits and existing obligations.
Read every offer, ours included, with a few questions in mind. What is the full repayment amount? How often are payments collected, and does that line up with your slow months? What will the funds produce, and how soon? A Kentucky owner who can answer those clearly is in a good position to decide.
An MCA is funding against future sales rather than a traditional term loan. Your offer explains exactly how it is repaid and the full repayment amount.
Steady business deposits are what we review. We look at about three months of bank statements to see the pattern.
FICO 500+ is considered. Deposits and existing obligations weigh heavily alongside the score.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Yes. Sole proprietors can apply as long as the business has steady deposits.
Example uses for illustration only.
Before you apply, a little cleanup can make your sales story clearer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding