Merchant Fund Express
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Same-Day Funding for Convenience Stores, Explained

Decisions move fast and funding can arrive in as little as 24 hours for qualified stores. Bank statements only, no tax returns, FICO 500+ considered.

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Fast Convenience Store Funding

For the repairs and bills that cannot wait till Monday

A failed freezer or a held delivery costs sales by the hour. We review your deposits quickly and show the full cost up front.

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 guesswork

Built to move quickly

Recent statements and a 5-minute application. No tax returns. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ considered. We begin with a soft pull and look at your store's deposits.

No surprise costs

Your offer shows the full repayment amount before you accept, and nothing is added after you sign.

Repayment known up front

The schedule is laid out in the offer, so a fast decision does not mean a blind one.

Need capital this week?

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.

When the freezer dies on a Saturday

Store owners usually search for same-day funding after something has already gone wrong. Ice cream is melting, a supplier will not deliver until the past invoice clears, or a register system has to be replaced before the weekend. We understand the urgency, and we will be straight about it: we do not promise funding the same day you apply. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

How to get through the process quickly

Most delays come from missing documents. Here is how to move fast:

  1. Download about three months of business bank statements as PDFs.
  2. Complete the 5-minute application.
  3. Answer any follow-up questions promptly.
  4. Review your offer, which shows the full repayment amount and schedule, then decide.

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

What fast funding is usually for

Urgent needs in convenience retail tend to fall into a few buckets:

What can slow things down

Even a fast process can stall. Common causes include statements that are missing pages, deposits split between several accounts, a business name that does not match the bank account, or information on the application that differs from the statements. Clearing those up before you apply is the single best way to shorten the timeline. If you are unsure which product fits, our line of credit vs. merchant cash advance page can help.

Pick speed and the right structure

Fast and suitable are not the same thing. If the urgent need is a single repair, a lump sum may be fine. If urgent needs keep coming back, consider a line of credit so you are not starting from scratch each time. Funding ranges from $25,000 to $5,000,000, and the amount depends mainly on your deposits and existing obligations.

Frequently Asked Questions

Can I get same-day funding for my convenience store?

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

What is the fastest way to get through review?

Have three months of business bank statements ready as PDFs and complete the 5-minute application with details that match your statements.

Is a hard credit check required up front?

No. We start with a soft credit pull.

What is the minimum I can request?

Funding starts at $25,000 and goes up to $5,000,000.

Will I know the total cost before accepting?

Yes. Your offer shows the full repayment amount and schedule before you accept.

Do I need to visit a branch or office?

No. Everything starts online with the 5-minute application and your bank statements, so you can apply from the store between shifts without closing early or leaving the counter.

Freezer replacement $14,000.00
Distributor invoice $27,000.00
Weekly payroll $19,000.00
HVAC repair $12,500.00

Example uses for illustration only.

How to improve your chances

The quickest files are the ones that arrive complete.

  • Download three months of statements today
  • Make sure the account name matches the store
  • Know the exact amount and what it covers
  • Respond quickly to any follow-up questions

Fast funding with us vs. a bank

Merchant Fund Express
Traditional bank loans
Funding speed
As little as 24 hours if qualified
Weeks in most cases
Documents
About 3 months of bank statements
Tax returns and financials
Credit
FICO 500+ considered
Higher scores usually expected
Credit pull
Soft pull to start
Hard pull common
Application
About 5 minutes
Long forms

Get your store back to normal fast

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

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