Merchant Fund Express
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Fast Business Funding in Long Beach, CA

Quick decisions, a 5-minute application and funding in as little as 24 hours for qualified businesses. Soft pull to start, no tax returns.

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Fast Business Funding

Move at the speed of the port and the weekend rush

Warehouses, restaurants, clinics and contractors across Long Beach use fast funding when inventory, repairs or new work can't wait for a bank's timeline.

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.

Speed without shortcuts

Quick steps, short paperwork

About 5 minutes to apply plus three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.

Room for real-world credit

FICO 500+ is considered, and steady deposits carry real weight.

Clear costs before you sign

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Repayment set out early

The repayment schedule is laid out in the offer up front, so you can plan with confidence.

Cash flow tight this month?

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.

Honest speed for Long Beach owners

People search for same-day business funding in Long Beach when a problem has a deadline: a container of stock is waiting at a warehouse, a restaurant's walk-in quit before a holiday weekend, or a contractor needs materials to start a job. We won't promise funds the same day you apply. What we offer is a process with no wasted steps: decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses once you accept your offer.

A city where timing is everything

Long Beach's economy leans on the port and the warehouses, customs brokers and service companies around it, along with healthcare, aerospace and a busy tourism scene downtown, at the Queen Mary and along Belmont Shore. Port businesses live on shipping schedules. Restaurants and hotels see spikes around major events and summer weekends. In both cases a delay of a week can mean a lost order or an empty dining room.

Four steps, no detours

  1. Fill out the 5-minute application; we start with a soft credit pull.
  2. Share about three months of business bank statements. No tax returns.
  3. Get an offer that shows the full repayment amount and schedule.
  4. Accept, and qualified businesses can see funds in as little as 24 hours.

Who we fund

Established businesses with steady deposits, from a Bixby Knolls bakery to a Westside machine shop. We consider FICO scores from 500, and sole proprietors can apply. Amounts range from $25,000 to $5,000,000 and depend mainly on deposits and existing obligations. There is no hard revenue minimum; we look at how consistently money comes in.

How to avoid delays

The most common holdups are simple: statements that are missing a month, a bank account that isn't in the business name, or an offer that sits unread. Download your statements before you start, use your business account, and set aside a few minutes to review the offer as soon as it arrives. If anything about your deposits looks unusual, explain it up front; that saves a round of questions later.

Choose your product

Fast funding can take the form of a Long Beach merchant cash advance, working capital or a line of credit. You can also see fast funding across California. Or apply now and compare.

Frequently Asked Questions

Can I get business funding in Long Beach today?

We don't promise same-day funding. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses after you accept.

What do I need to apply?

A 5-minute application and about three months of business bank statements. No tax returns are required.

Will a lower credit score stop me?

We consider FICO scores from 500. Your deposit history is weighed alongside your score.

Does the soft pull affect my credit?

No. We start with a soft credit pull, which does not affect your score.

How much can I get?

From $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Inventory release $95,000.00
Walk-in repair $25,000.00
Job materials $55,000.00
Event staffing $30,000.00

Example uses for illustration only.

How to improve your chances

Prepare these items to keep your request moving quickly.

  • Download three months of business statements first
  • Use a bank account in the business name
  • Review your offer as soon as it arrives
  • Explain any unusual deposits up front

Fast funding with MFE vs. a bank

Merchant Fund Express
Traditional bank loans
Decision
Fast
Often weeks
Funding
As little as 24 hours if qualified
Weeks after approval
Documents
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Strong credit expected
Credit pull to start
Soft pull
Hard pull common

Get a fast answer in Long Beach

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

Apply for Funding
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