Cash ahead of the busy season for Montana businesses with steady sales. Apply in about 5 minutes with a soft credit pull to start and no tax returns.
Get My OfferMontana Merchant Cash Advance
Montana businesses often earn the year in a few months. An advance based on your sales helps you staff, stock and prepare before the rush.
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 to apply and roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Your sales and deposits carry real weight.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your offer lays out how repayment works up front, so you can test it against your slow months.
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.
In much of Montana, the year has a rhythm. Gateway towns near Glacier and Yellowstone fill up in summer, ski areas carry the winter, and shoulder seasons can be quiet. Restaurants in Bozeman, outfitters near Missoula, gift shops in Whitefish and bars in Billings all know what it feels like to earn most of the year's revenue in a few busy months.
A merchant cash advance is one way to get cash in hand before the rush, based on the sales your business already generates. Merchant Fund Express offers advances from $25,000 to $5,000,000 for established businesses with steady deposits.
In plain terms, you receive a lump sum now in exchange for a portion of future sales. Repayment comes from your business revenue on the schedule set out in your offer. Because it is tied to sales activity, a merchant cash advance tends to suit businesses that take a steady flow of card payments, such as:
Start with the 5-minute application. We begin with a soft credit pull and review 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.
If your three most recent months fall in a slow season, mention it. Context about when your busy months land helps us read your deposits accurately.
The size of an advance depends mainly on your deposits and on any obligations you already carry. Strong, regular deposits support larger amounts. Several existing daily or weekly payments reduce what makes sense to take on. For illustration only: a Livingston restaurant with consistent card deposits and no other payments will usually see more room than a similar restaurant already making payments to two other funders.
Your offer shows the full repayment amount and the repayment schedule before you accept. There are no surprise costs after you sign. Read it against your slowest months, not your best ones, so the plan works year-round.
If you want a more conventional structure, look at working capital in Montana. For recurring needs, a Montana business line of credit may be a better fit, and equipment financing covers specific assets.
It is structured as an advance against future sales rather than a traditional loan. Your offer explains exactly how repayment works.
Card-heavy businesses are the typical fit, but we review your overall deposits. Tell us how your customers pay.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Yes. Let us know where you are in your seasonal cycle so we can read your statements in context.
FICO scores of 500 and up are considered, along with your deposit history.
Example uses for illustration only.
A few moves can improve the advance you are offered.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding