Large requests
A request of $1 million or more is read very differently from a $50,000 one. Here is what changes, what we ask for, and how to tell whether your numbers support that size before you apply.
✓ Checking what you qualify for does not affect your credit score.
Updated October 13, 2026 · Merchant Fund Express
We place requests from $25,000 up to $5,000,000, so a seven-figure request is in range. What changes at that size is not the application, which still takes about five minutes, but the depth of the review. On anything above $250,000, full financials are typically requested in addition to bank statements, and at $1 million the funder is underwriting the business as a whole, not just a stretch of deposits.
The single most useful question to ask yourself first: can the business carry the payment out of normal operating cash flow without starving payroll, inventory or debt you already have? If the honest answer is yes on paper, the rest is documentation.
| Area | What is being tested | What you provide |
|---|---|---|
| Revenue scale | Annual revenue large enough that the payment is a modest share of monthly deposits | Bank statements plus year-end and interim financials |
| Profitability | Margin that leaves room for a new fixed obligation | Profit and loss statement, ideally two years plus year to date |
| Existing debt | Every loan, line, lease and advance, with balances and payments | A debt schedule; payoff letters if anything is being refinanced |
| Balance sheet | Assets, receivables, payables and owner equity | Balance sheet; aging reports if receivables are large |
| Owners | Credit, ownership share and guarantees | ID and credit review for owners of 50% or more combined |
| Use of funds | A specific purpose with a payback logic | A short written use of funds, quotes or contracts |
The tier sheet on our funding requirements page still applies: Tier 1 starts at 3+ years in business, a 650+ FICO and $25,000 a month in revenue, and the size of the request then has to fit the cash flow behind it.
Take a regional food distributor, 9 years in business, asking for $1,200,000 to fund a second warehouse and inventory for a new chain-store contract.
| Item | Figure |
|---|---|
| Average monthly deposits | $1,050,000 |
| Gross margin | 22%, about $231,000 a month |
| Operating costs before debt | About $160,000 a month |
| Cash left for debt service | About $71,000 a month |
| Existing equipment loan payment | $9,000 a month |
| Room for a new payment | About $62,000 a month |
If the new facility were a 24-month term at, say, a total repayment of $1,440,000, the payment would be about $60,000 a month (dated monthly from the first draw). That sits just inside the $62,000 of room, which is too tight to be comfortable: one slow month and the business is short. A reviewer would likely look at a smaller first tranche, a longer schedule, or a line of credit sized to the inventory cycle rather than a single lump sum.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
Best fit for a one-time project like a buildout or acquisition, when the business clears Tier 1 and wants a fixed schedule.
Fits large requests tied to a repeating cycle, such as inventory or contract materials, so you draw only what the cycle needs.
For the share of the request that is machinery or vehicles; the equipment itself supports the deal.
Usually sized smaller than a term loan on the same file, and better as a bridge than as the whole $1M.
A large request is often split: equipment financed against the equipment, working capital on a line of credit, and the rest on a term loan. That can lower the total cost compared with putting all of it on one product.
Having these ready up front saves a full round of follow-up questions, which on a large file is where most of the time goes.
If the worked math above leaves less than about a third of your free cash flow as a cushion, a smaller first amount usually gets a better structure and keeps the business safe. It is common to fund the first phase of a project, show it performing for a few months, and come back for the rest.
If revenue only recently reached the level that supports the request, a few more months of statements at that level often changes the answer more than any document can. Check where you stand with the qualification check, which does not affect your credit, or read how much can I borrow.
We place requests up to $5,000,000. The amount a file supports depends mainly on deposits, margin and existing obligations, not on the request itself.
For requests above $250,000, full financials are typically requested. Bank statements alone are not enough at that size.
Decisions on complete files are same-day for most requests; larger files can take longer because the financials are reviewed, and the timeline depends on how complete the package is when it arrives.
Most business financing at this size includes a personal guarantee from the owners, and some products include a lien on business assets. Read both terms before signing.
Yes. Apply for what the project needs; if the file supports a smaller amount or a different structure, the offer will show that before you accept anything. Start at the application.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
