Merchant Fund Express
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Emergency Funding for Painting Contractors

Theft, a disputed invoice or a surprise bill should not shut down your crews. Apply in five minutes and get a fast decision.

Get Emergency Funds

Urgent Painting Business Cash

Keep the crews working while you fix the problem

Painting companies get hit by stolen gear, slow payers and rework claims. We fund based on your bank deposits so you can keep jobs on schedule.

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.

Urgent funding, clearly explained

Fast with minimal paperwork

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

A bad week is not a bad score

FICO 500+ considered. We look at your deposit history in context.

Full cost before you commit

Your offer shows the full repayment amount up front. No surprise costs after you sign.

Repayment you can see coming

The schedule is laid out in the offer before you accept.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Emergencies painting contractors actually face

The surprises in this trade are rarely dramatic, but they are expensive. A trailer full of sprayers gets stolen from a job site overnight. A large customer disputes the final invoice and holds payment. A rework claim on a peeling exterior means sending a crew back for free. An insurance audit comes back with a bill you did not budget for. A vehicle is totaled on the way to a job.

Each of those can drain an account that looked healthy a week earlier, and most of them come with a deadline.

Triage before you borrow

When something breaks, sort it quickly:

Then size your request to the real gap, not the scariest version of it.

Funding options for urgent needs

Working capital is the most common fit because it can cover almost any business expense. A merchant cash advance may suit contractors with steady card deposits. If you want a standing backstop for next time, a line of credit is worth setting up once the current problem is handled.

Speed without skipping the details

The application takes about five minutes, starts with a soft credit pull, and asks for about three months of business bank statements. No tax returns are required, and FICO 500+ is considered. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Even in a hurry, read your offer. It shows the full repayment amount and the repayment schedule before you accept. Make sure the payments fit your expected deposits for the coming weeks, especially if the emergency itself has slowed your work. When you have checked that, apply here.

After the dust settles

Most emergencies point to something that can be hardened: better trailer locks and GPS tracking, written change-order and completion sign-offs, deposits on residential jobs, or a cash reserve built from peak-season profits. Fix the weak spot so the next surprise is smaller.

Frequently Asked Questions

How fast can emergency funding arrive?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Having your recent bank statements ready speeds things up.

Can I use funding while waiting on an insurance claim?

Yes. Working capital can bridge the gap while a claim is processed, as long as you plan for repayment on the schedule in your offer.

A customer is refusing to pay a large invoice. Can you help?

We can fund the business based on your deposit history, which can help you keep operating while you resolve the dispute.

Will a recent drop in deposits hurt my chances?

We look at about three months of statements and weigh the full picture. A short dip with an explanation is part of what we consider.

What is the smallest amount I can request?

Our funding starts at $25,000.

Stolen trailer gear $28,000.00
Rework crew costs $14,500.00
Insurance audit bill $9,000.00
Disputed invoice gap $40,000.00

Example uses for illustration only.

How to improve your chances

A little preparation makes the next emergency less painful.

  • Add GPS tracking and locks to trailers
  • Get written sign-off at every job completion
  • Build a cash reserve from peak-season profits
  • Review insurance coverage limits each year

Emergency funding vs. a traditional bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Rarely fast enough for emergencies
Paperwork
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strict credit cutoffs
Application
About 5 minutes
Appointments and long forms
Credit check
Soft pull to start
Hard pull

Handle the emergency and get back to work

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

Apply for Funding
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