Merchant Fund Express
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Merchant Cash Advance in Los Angeles

Funding tied to your future sales for LA restaurants, retailers, salons and service businesses. Soft pull to start, about three months of statements, no tax returns.

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Merchant Cash Advance | Los Angeles

Capital that follows how your LA business earns

From Echo Park cafes to San Fernando Valley contractors, we review your deposits and lay out the full repayment amount before you accept anything.

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.

Why LA owners choose our advance

Decisions move fast

Apply in about 5 minutes with roughly three months of bank statements. Qualified businesses can be funded in as little as 24 hours.

Credit is one factor, not the only one

FICO 500 and up is considered. We focus on the strength and consistency of your deposits.

Full payback shown up front

Your offer lists the total repayment amount before you accept, with no surprise costs after you sign.

Remittances you can plan around

The collection schedule is spelled out in your offer, so you know what leaves the account and when.

Waiting on deposits to land?

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.

How a merchant cash advance works for an LA business

A merchant cash advance gives your business a lump sum now in exchange for a share of future sales. Instead of a bank-style installment loan, repayment is tied to the revenue you already bring in. For a taco shop in Boyle Heights, a salon in Silver Lake or a garment wholesaler downtown, that structure can line up with how money actually moves through the account.

We look at about three months of business bank statements to understand your deposits. No tax returns are required, and the 5-minute application starts with a soft credit pull.

Where Los Angeles owners put advance funds

What we look at before making an offer

Deposits are the center of the review. Consistent monthly inflows tell us more than a single great week. We also consider existing obligations, time in business and credit. FICO scores from 500 and up are considered, so a past rough patch does not end the conversation. Sole proprietors can apply too.

If you are comparing products, our working capital options in Los Angeles and business line of credit in Los Angeles may fit different cash flow patterns.

Clear numbers before you sign

Every offer shows the full repayment amount and the remittance schedule before you accept. There are no surprise costs added after you sign. Read it, ask questions, and only move forward if it makes sense for your margins. Funding ranges from $25,000 to $5,000,000, and qualified businesses can see funds in as little as 24 hours.

Frequently Asked Questions

Do I need a storefront in Los Angeles to qualify?

No. We work with established businesses that show steady deposits, whether you run a brick-and-mortar shop, a food truck, a service company or an online seller based in LA County.

How much can a Los Angeles business receive?

Funding runs from $25,000 to $5,000,000. The amount depends mainly on your monthly deposits and any existing obligations shown on your statements.

Will applying hurt my credit?

We start with a soft credit pull, which does not affect your score. The 5-minute application lets you see where you stand before deciding anything.

What documents do I need?

About three months of business bank statements and basic business information. No tax returns are required.

Is a merchant cash advance the right product for seasonal sales?

It can be, because remittances are tied to sales. We will walk through the offer with you so you can judge whether it fits your slow and busy months.

How long does the process take from start to finish?

The application takes about 5 minutes. Decisions move fast, and qualified businesses can be funded in as little as 24 hours after signing.

Holiday inventory $45,000.00
Walk-in cooler $28,000.00
Crew payroll $60,000.00
Storefront refresh $35,000.00

Example uses for illustration only.

How to improve your chances

A few steps can strengthen how your LA application reads.

  • Keep business and personal spending in separate accounts
  • Deposit card and cash sales into one business account
  • Avoid overdrafts in the months before you apply
  • Have your latest three statements ready as PDFs

Our advance vs. a typical bank loan in LA

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes online
Lengthy forms and meetings
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Usually strong credit expected
Speed
As little as 24 hours if qualified
Often weeks
Cost clarity
Full repayment shown before signing
Varies by lender

Ready to see your Los Angeles offer?

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

Apply for Funding
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