Merchant Fund Express
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Same-Day Funding for Catering? The Honest Answer

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

Get a Fast Decision

Fast Catering Funding

Quick decisions when the event date will not move

A broken walk-in or a surprise headcount jump cannot wait for a bank. Apply in five minutes with three months of statements.

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

Speed with little paperwork

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

Credit flexibility

FICO 500+ considered. Deposits carry real weight. Sole proprietors can apply.

Full cost shown first

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

Repayment you can plan for

Your repayment schedule is laid out in the offer up front.

Payroll before sales come in?

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.

The event is Saturday. The problem is today.

Catering emergencies come with a deadline built in. The walk-in fails two days before a wedding. A corporate client adds 150 guests on short notice. The van that hauls everything breaks down. Searching for same-day funding makes sense in those moments.

Here is our honest position: we do not promise same-day funding. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. For most catering emergencies with a few days of lead time, that is what keeps the event on track.

How to get the fastest possible decision

  1. Complete the 5-minute application with accurate business and owner details.
  2. Upload about three months of business bank statements, every page, from the account where event payments land.
  3. Be upfront about existing obligations, like current advances or equipment payments.
  4. Watch your phone and inbox so you can answer quick follow-up questions.

No tax returns are required, and we start with a soft credit pull. FICO 500+ is considered, and sole proprietors can apply.

Fast needs we see from caterers

Set up access before the next emergency

The fastest funding is often the funding you arranged before you needed it. Caterers who expect repeat surprises, like equipment failures in peak season or clients who pay late, can set up a line of credit while things are calm. When the next problem hits, you draw on it instead of starting a new application under pressure. Our catering cash flow guide has more ideas for building that cushion.

Choosing a product quickly, and wisely

Speed should not mean picking the wrong structure. A merchant cash advance is repaid from future card sales. Working capital is a lump sum for general needs. A line of credit works well if fast needs come up often. Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Every offer shows the full repayment amount before you accept. Start now.

Frequently Asked Questions

Can I get catering funding the same day I apply?

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

What slows down a fast funding request?

Missing statement pages, deposits split across personal and business accounts, and unclear existing obligations are the most common causes of delay.

Do I need tax returns for fast funding?

No. We work from about three months of business bank statements.

Will a quick review hurt my credit?

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

Can a small or seasonal caterer apply?

Established catering businesses with steady deposits can apply, including sole proprietors. Seasonality is normal, and we look at your deposit pattern as a whole.

Walk-in repair $25,500.00
Last-minute order $39,000.00
Late-pay payroll $28,000.00
Van replacement $55,000.00

Example uses for illustration only.

How to improve your chances

Preparing these items helps us reach a decision quickly.

  • Upload every page of three months of statements
  • Use the account where event payments are deposited
  • Disclose existing advances and payments upfront
  • Respond quickly to any follow-up questions

Fast catering funding vs. a bank

Merchant Fund Express
Traditional bank loans
Decision
Decisions move fast
Slow committee review
Funding
As little as 24 hours if qualified
Weeks to months
Documents
About 3 months of statements
Tax returns and financials
Credit check
Soft pull to start
Hard pull
Credit
FICO 500+ considered
Strong credit expected

Keep Saturday's event on track

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

Apply for Funding
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