Merchant Fund Express
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Revenue-Based Financing for Electrical Contractors

Funding sized from your shop's real revenue, not a tax return. About three months of statements and a soft pull to start.

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Revenue-Based Financing

Built for uneven months in the electrical trade

Commercial draws, service calls and remodels all land on different schedules. We size funding from the revenue your shop actually brings in.

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.

Financing that tracks your revenue

Simple to start

A 5-minute application with roughly three months of statements. Funding in as little as 24 hours for qualified shops.

More than a credit score

FICO 500+ considered. A soft pull starts it and your deposits matter.

Clear repayment total

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

Schedule set up front

The payment schedule is in your offer before you commit.

Need capital this week?

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.

Funding that follows how your shop earns

Electrical revenue is rarely smooth. A busy month of commercial draws can be followed by a quiet stretch of small service calls. Revenue-based financing is sized from the revenue moving through your business bank account, and repayment is tied to the revenue the business brings in. For a trade with uneven months, that link matters.

It is a different approach from a bank loan built on tax returns and collateral. We focus on what your statements show.

Who it tends to suit

Sole proprietors can apply, and FICO 500+ is considered.

What we review

The application takes about 5 minutes. We ask for roughly three months of business bank statements and start with a soft credit pull. No tax returns are required. We look at the pattern of your deposits and at what you already owe, then size an offer that fits that picture. Funding ranges from $25,000 to $5,000,000 overall.

An example, for illustration

Picture a shop that does most of its commercial work in spring and summer, with service calls carrying it through winter. It wants to bring on an apprentice and stock up on fixtures before the busy season starts. Revenue-based financing could cover that ramp-up, sized from a few months of deposits. This is for illustration only; your offer depends on your actual statements. See slow season funding and expansion funding for more.

Comparing your options

If you want repeat access to funds, a business line of credit may fit better. For a specific truck or lift, equipment financing ties the cost to the asset. Shops focused on the day-to-day can compare working capital.

Read the offer, then decide

Your offer shows the full repayment amount and schedule before you accept. Check it against your expected revenue in the months ahead. When it lines up, start the application.

Frequently Asked Questions

How is revenue-based financing different from a merchant cash advance?

Both are sized from your business activity. A merchant cash advance leans on future card receipts, while revenue-based financing looks at overall revenue through your account.

My tax return shows low profit. Does that matter?

No tax returns are required. We focus on your deposit history and existing obligations.

Can a small electrical shop qualify?

Sole proprietors and small shops can apply. Steady deposits carry real weight in the review.

Does applying affect my credit?

We start with a soft credit pull, which does not affect your score.

How fast is funding?

In as little as 24 hours for qualified businesses.

Apprentice hire $40,000.00
Pre-season stock $52,000.00
Estimating software $12,000.00
Second service van $68,000.00

Example uses for illustration only.

How to improve your chances

These steps help us read your shop's revenue clearly.

  • Deposit every job payment in one business account
  • Keep records of which jobs paid when
  • Avoid long negative balance stretches
  • Plan the funds around your busy season

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Sized from
Revenue in your account
Tax returns and collateral
Tax returns
Not required
Usually required
Credit
FICO 500+ considered
Strong credit usually expected
Sole proprietors
Can apply
Often a harder fit
Speed
As little as 24 hours if qualified
Often several weeks

Fund your next busy season

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

Apply for Funding
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