Merchant Fund Express
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Same-Day Business Funding in Washington, DC, Done Right

Fast decisions and funding in as little as 24 hours for qualified DC businesses. Five-minute application, bank statements, no tax returns.

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Fast Funding ยท Washington, DC

For DC owners whose cash can't wait on a slow payment

Slow agency payments, conference-week bookings, spring tourist crowds. We keep our steps short so you hear back quickly.

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 the paperwork pile

Fast, minimal documents

A 5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ is considered. We start with a soft pull and look closely at deposits.

No hidden math

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Repayment laid out

Your offer spells out the repayment schedule up front so you can plan around contract payments.

Waiting on deposits to land?

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.

A straight answer on speed

If you are searching for same-day business funding in DC, you probably have a deadline. We will not promise money the same day. What we offer is a fast decision and funding in as little as 24 hours for qualified businesses. The process is built to avoid delays: a 5-minute application, about three months of business bank statements, and no tax returns.

Why DC owners need quick money

The District runs on the federal government, the contractors and consultants around it, associations, universities, and a large hospitality and tourism trade. That creates some very local cash pressures:

When budgets stall or a contract pays late, the need is real and the clock matters.

What keeps our process quick

We put your business bank statements at the center. That lets us skip much of the document collection that slows traditional lenders. FICO scores from 500 are considered, the process starts with a soft credit pull, and sole proprietors can apply. Your offer shows the full repayment amount and schedule before you accept.

Planning around federal timing

Many DC businesses feel federal budget timing even if they never hold a contract. Restaurants, parking, retail and service companies all see traffic move with sessions, recesses and the tourist calendar. If your cash needs follow those rhythms, think about whether a one-time lump sum or a line you can draw from fits better. Either way, read the full repayment amount and schedule in your offer and check them against a slow month before you accept.

Contractors in particular should be careful to size requests to the specific gap, such as one or two payroll cycles while an invoice is processed, rather than the full value of the contract. That keeps repayment tied to money you can reasonably expect to come in.

Options that pair with speed

Fast funding can come as working capital, a merchant cash advance or a business line of credit. The best fit depends on whether your need is one-time, tied to daily sales or recurring. Amounts range from $25,000 to $5,000,000 and depend mainly on your deposits and existing obligations.

Frequently Asked Questions

Can I get funded the same day in DC?

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

I'm a government contractor waiting on payment. Can I apply?

Yes. We review your business bank deposits and existing obligations. A slow-paying client is a common reason owners apply.

What documents do you need?

About three months of business bank statements and the 5-minute application. No tax returns.

Does the first step affect my credit?

No. We start with a soft credit pull.

Can a sole proprietor apply?

Yes, sole proprietors can apply.

Contract payroll $58,000.00
Spring restock $26,500.00
Event catering $33,000.00
Patio prep $20,000.00

Example uses for illustration only.

How to improve your chances

Help us move as fast as possible with these steps.

  • Upload complete statements with your application
  • Confirm the account belongs to the business
  • Explain lumpy contract deposits in a note
  • Respond quickly to any questions

Fast funding with us vs. a bank

Merchant Fund Express
Traditional bank loans
Timing
As little as 24 hours if qualified
Weeks or longer
Paperwork
About 3 months of statements
Returns and financials
Credit
FICO 500+ considered
Higher scores expected
Credit check
Soft pull to start
Hard pull typical
Application
5 minutes
Lengthy process

Get a fast decision for your DC business

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

Apply for Funding
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