Merchant Fund Express
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Same-Day Funding for Clothing Stores

Fast decisions for apparel shops and boutiques, with funding in as little as 24 hours for qualified businesses. Three months of bank statements, no tax returns.

Check My Options

Fast Funding for Apparel Retail

When the closeout deal will not wait

Vendor deals, window repairs and pre-season deposits come up fast. We keep paperwork short so decisions move fast and qualified stores can be funded in as little as 24 hours.

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.

Built for a store that needs an answer now

Fast decisions, short paperwork

A 5-minute application and about three months of business bank statements. No tax returns, so nothing slows the review down.

Credit history is not the whole story

FICO 500+ considered. We weigh how your card deposits flow through the season, not only your score.

Full cost shown before you sign

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

A payment plan you can see

The repayment schedule is laid out in the offer up front, so you can plan it around your selling seasons.

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.

Fast money for a clothing store, explained honestly

Apparel retail moves on a calendar you do not control. A vendor offers a closeout lot of denim that will be gone by Monday. A sales rep needs a deposit to hold your spring order. The front window gets smashed the week before a holiday weekend. Owners in those spots search for same-day funding because they need an answer now, not next month.

Here is where we stand: we do not promise funds the same day you apply. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. For most boutique and clothing store problems, that timing still lands before the opportunity or the deadline passes.

What we look at to move quickly

Speed comes from keeping the file simple. Instead of tax returns and projections, we review about three months of business bank statements. Those statements show your card deposits, your slow weeks after a season ends, and the bump when new arrivals hit the floor.

We work with established stores that show steady deposits. A shop with a clear deposit pattern is easier to review fast than one with gaps nobody can explain.

Matching the money to the moment

A quick decision only helps if the product fits. Common matches for apparel shops:

If the urgent need is stock, our inventory funding page goes deeper. For a true emergency, read emergency funding for clothing stores.

Before you hit apply

Have your last three months of business bank statements ready as PDFs, know roughly what you need and why, and list any current financing you are paying on. With that in hand, the 5-minute application is the slowest part of your day. Your offer shows the full repayment amount and the payment schedule before you accept anything.

Frequently Asked Questions

Can a clothing store get funded the same day it applies?

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

What documents does a boutique need?

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

Will checking my options hurt my credit?

We start with a soft credit pull, so looking at your options does not work like a hard inquiry at that stage.

How much can a clothing store request?

Funding ranges from $25,000 to $5,000,000. The amount offered depends mainly on your deposits and any existing obligations.

I run my store as a sole proprietor. Can I apply?

Yes. Sole proprietors can apply, as long as the business shows steady deposits in its bank account.

Closeout lot $35,000.00
Spring deposit $50,000.00
Storefront repair $28,000.00
Holiday staffing $40,000.00

Example uses for illustration only.

How to improve your chances

A few steps can help a fast review go smoothly.

  • Have three months of bank statements saved as PDFs
  • Run card sales through your business account
  • Know the exact amount the purchase or repair needs
  • List any financing you are already paying on

How a fast review compares with a bank

Merchant Fund Express
Traditional bank loans
Decision speed
Decisions move fast
Often weeks of underwriting
Funding timing
As little as 24 hours if qualified
Usually weeks after approval
Credit
FICO 500+ considered
Often higher score expected
Paperwork
About 3 months of bank statements
Tax returns, statements, projections
Starting credit check
Soft pull to start
Hard inquiry is common

Get a fast answer for your clothing store

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

Apply for Funding
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