Merchant Fund Express
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Merchant Cash Advance in Tampa, FL

Funding for Tampa businesses that runs on your sales, not your tax returns. $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses.

See My Advance

Merchant Cash Advance ยท Tampa

Prepare for the busy season before it starts

A 5-minute application, a soft pull to start and about three months of statements. Your offer shows what you repay before you accept.

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 a Tampa advance looks like with us

Built for quick turnarounds

Five-minute application, about three months of statements, funding in as little as 24 hours for qualified businesses.

Sales history speaks loudest

We consider FICO 500+, and your card sales and deposits carry real weight. Soft pull to start.

Full repayment amount shown

You see the total you will repay in your offer before you accept. No surprise costs after you sign.

Remittances spelled out

How and when remittances are collected is laid out in your offer up front.

Ready to see your numbers?

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.

Matching an advance to Tampa's seasons

Ask any Tampa restaurant or retail owner about their year and you will hear about seasons: snowbird months, big event weekends, the summer slowdown and hurricane prep. A merchant cash advance works with that reality. You receive a lump sum now, and remittances come from future receivables, with the terms set out clearly in your offer.

Good fits and poor fits

Good fits

Poor fits

If you need flexible access over time, our Tampa business line of credit may suit you better.

Our requirements, plainly

Merchant Fund Express reviews about three months of business bank statements. We consider FICO 500+, start with a soft credit pull and do not require tax returns. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, sized mainly by your deposits and existing obligations. The application takes about five minutes.

For illustration: sizing an advance

For illustration only. A seafood restaurant in South Tampa with steady deposits wants to refresh its dining room before the winter rush. A craft retailer in Ybor City needs inventory for the holidays. A mobile detailing business wants a second van. Each request is sized mainly by deposits and what the owner already owes, not by a fixed formula.

A smaller amount that you can comfortably repay is usually better than the largest offer available. We would rather fund you twice over the years than once at a strain.

Bring a clear plan for the money and your last few months of statements, and the conversation moves faster.

Reading your offer

Every offer shows the full repayment amount and how remittances are collected. Compare that against what the money will earn: extra covers, extra inventory turns, a reopened kitchen. If you are comfortable, sign. If not, ask us about working capital loans in Tampa as an alternative. Start with the 5-minute application, or read about merchant cash advances across Florida.

What is a merchant cash advance?

A lump sum provided in exchange for a share of your future receivables, collected on the schedule shown in your offer.

Frequently Asked Questions

Is it a fit for seasonal Tampa businesses?

Often, yes. Many seasonal businesses use an advance to prepare for busy months. We review your deposit pattern to size it sensibly.

How fast can I get funded?

Qualified businesses can be funded in as little as 24 hours.

What credit score do I need?

We consider FICO 500+ and look at credit alongside your sales history.

What happens if my sales slow after funding?

Read how remittances are collected in your offer before you sign. If your situation changes, contact us early so we can talk about it.

Can a food truck or sole proprietor apply?

Yes. Sole proprietors can apply with their business bank statements.

Do I need a storefront to qualify?

No storefront is required. Mobile, home-based and service businesses can apply as long as they have steady deposits in a business bank account.

Winter restock $52,000.00
Dining room refresh $95,000.00
Kitchen repair $29,000.00
Hurricane prep $38,000.00

Example uses for illustration only.

How to improve your chances

A cleaner sales history can lead to a better advance offer.

  • Route all card sales to one business account
  • Smooth out cash deposits so they are traceable
  • Avoid stacking multiple obligations at once
  • Plan your request around the season ahead

Merchant Fund Express vs. bank financing

Merchant Fund Express
Traditional bank loans
Based on
Sales and deposits
Collateral and tax returns
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks or longer
Application
About 5 minutes
Lengthy paperwork
Sole proprietors
Can apply
Often turned away

Get ahead of the next Tampa season

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

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