Merchant Fund Express
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Fast Funding for Electrical Contractors

Decisions move fast, with funding in as little as 24 hours for qualified shops. A 5-minute application and about three months of statements.

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Fast Funding

When the van breaks down or the storm hits

Urgent electrical work does not wait. We keep our side short so you can get an answer quickly and decide with the full numbers in front of you.

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 skipping the details

Quick application

About 5 minutes to apply with roughly three months of statements. Funding in as little as 24 hours for qualified shops.

Credit is not the whole story

FICO 500+ considered and a soft pull to start. Deposits carry real weight.

Know the full cost

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Schedule in writing

The payment schedule is in your offer up front, even when you are moving quickly.

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.

When an electrical shop needs cash quickly

Some needs cannot wait for a bank's loan committee. A storm knocks out power across town and you need extra crew and generators on site. A supplier offers a deal on a large lot of breakers if you pay this week. Your main service van dies on a Monday with a full schedule. That is when people search for same-day funding.

We want to be straight about speed: decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. We will not promise same-day money, but we work to keep the process short on our end.

What keeps things moving

  1. Fill out the 5-minute application.
  2. Upload about three months of business bank statements.
  3. We start with a soft credit pull. FICO 500+ is considered.
  4. Review your offer, including the full repayment amount and payment schedule.

No tax returns are required, and sole proprietors can apply. The cleaner your statements, the faster the review tends to go.

Fast does not mean careless

Urgency makes it easy to accept the first number you see. Take a few minutes anyway. Read the full repayment amount and the schedule in your offer and ask whether the payment fits with your upcoming draws and service revenue. If it does not, ask for a smaller amount. Our emergency funding guide for electrical contractors covers how to think through urgent requests.

Which product fits an urgent need

Speed is a feature of the process, not a product. The actual funding could be working capital, a merchant cash advance, or equipment financing if the emergency is a broken truck or lift. If urgent needs come up often, a business line of credit can sit ready for the next one.

Building a cushion for next time

Many electrical contractors who come to us in a rush say the same thing afterward: they wish they had set something up before they needed it. Once the urgent job is handled, think about what would make the next emergency easier. That might be a line you can draw on, a small cash reserve built from busy-season profits, or simply keeping your statements organized so any future review moves faster. Our cash flow guide has practical ideas.

Ready when you are

The best time to apply is before the emergency peaks. Have your statements ready, and start the application.

Frequently Asked Questions

Can I really get funded the same day?

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 the process down?

Missing statements, unclear deposits, or obligations we did not know about. Sending complete statements up front helps.

Does a fast application mean a hard credit pull?

No. We start with a soft credit pull.

Can I use fast funding for storm response work?

Yes. Extra crew, materials and equipment for urgent jobs are common uses.

How much can I request?

Funding ranges from $25,000 to $5,000,000 overall, based mainly on your deposits and existing obligations.

Storm crew $30,000.00
Generator rental $16,000.00
Van replacement $55,000.00
Breaker lot deal $22,000.00

Example uses for illustration only.

How to improve your chances

Being ready ahead of time is the best way to move quickly.

  • Keep recent bank statements downloaded and ready
  • Know your current obligations and balances
  • Keep the business account free of overdrafts
  • Decide the amount you actually need

Our process vs. a typical bank

Merchant Fund Express
Traditional bank loans
Decision speed
Decisions move fast
Committee review can take weeks
Funding
As little as 24 hours if qualified
Often several weeks
Documents
About 3 months of statements
Tax returns plus financials
First credit check
Soft pull
Often a hard pull
Credit
FICO 500+ considered
Strong credit usually expected

Get an answer before the next callout

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

Apply for Funding
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