Merchant Fund Express
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Fast Business Funding in San Francisco, CA

Quick decisions and funding in as little as 24 hours for qualified San Francisco businesses. 5-minute application, soft pull to start.

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Fast Funding ยท San Francisco

When high costs leave no room to wait

Restaurants, cafes, shops, and service businesses across San Francisco use fast funding to cover urgent repairs, deposits, and orders before a busy stretch.

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.

Fast funding, plainly explained

Short application, fast decision

5 minutes to apply and about three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered, read alongside your deposits.

Full cost before you commit

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

Schedule in writing

Your repayment schedule is laid out in the 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.

Let's be clear about "same-day"

San Francisco owners tend to search for same-day funding when something has already gone wrong: a walk-in cooler failed, a landlord wants a deposit for a new space by Monday, or a large order needs paying for before it ships. We move quickly, but we will not promise funds the same day you apply. Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

The speed comes from a short process: a 5-minute application, about three months of business bank statements, no tax returns, and a soft credit pull to start.

Why speed matters in San Francisco

Running a business in San Francisco means high fixed costs. Rent, wages, and supplies all leave little slack. The city's economy mixes technology and professional services with a large tourism and hospitality base, so restaurants, cafes, retailers, and service businesses often see their busiest stretches tied to visitor traffic, conferences, and events. When a cash gap lands right before one of those stretches, waiting weeks for a bank decision can mean missing it.

From application to funds

  1. Fill out the 5-minute application.
  2. Upload about three months of business bank statements.
  3. Review your offer, including the full repayment amount and schedule.
  4. Accept only if it fits. Qualified businesses can be funded in as little as 24 hours.

What drives the amount

Funding ranges from $25,000 to $5,000,000. Where you land depends mainly on your deposits and the obligations already on your account. FICO scores of 500 and up are considered, and we read your score together with that deposit history. Sole proprietors can apply. For illustration, a cafe with steady daily card deposits and no other financing will usually be reviewed differently than one already carrying several payments.

Fast options to compare

Depending on the need, fast funding may take the form of a merchant cash advance, working capital, a business line of credit, or equipment financing. Learn more on our fast business funding page or our California fast funding overview. Statewide product pages include merchant cash advance in California and California working capital.

Frequently Asked Questions

Can my San Francisco business get funded the same day?

We do not promise same-day funding. Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

What do I need to apply?

About 5 minutes for the application and about three months of business bank statements. No tax returns are required.

Does applying affect my credit?

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

Can I get funding with less-than-perfect credit?

FICO scores of 500 and up are considered, together with your deposit history.

How do I know the cost?

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

Walk-in cooler $34,000.00
Lease deposit $60,000.00
Inventory order $42,000.00
Payroll cover $75,000.00

Example uses for illustration only.

How to improve your chances

Preparation keeps a fast request moving.

  • Have three months of statements ready as PDFs
  • Match the business name across all documents
  • Explain any large one-time deposits up front
  • Request the amount the need actually calls for

Our fast funding vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy paperwork
Funding speed
As little as 24 hours if qualified
Several weeks
Documents
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Strong scores expected
First credit check
Soft pull
Hard pull common

Get a fast answer for your San Francisco business

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

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