Merchant Fund Express
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Fast Funding for Excavation, Not Empty Promises

Decisions move fast and funding can arrive in as little as 24 hours for qualified excavation businesses. Apply in 5 minutes, soft pull to start.

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Fast Funding for Excavation

Speed that comes from a short document list

Most of the wait in business funding is paperwork. We ask for about three months of bank statements and no tax returns, which keeps urgent requests moving.

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.

Quick answers for urgent jobsite needs

Five minutes to apply

Short application plus about three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered, starting with a soft pull. Steady deposits matter a great deal.

Know the total before you sign

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

Repayment mapped out

The schedule is laid out in your offer up front so a rushed decision is still an informed one.

Ready to see your numbers?

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 job cannot wait

A machine throws a track on a Tuesday. A GC asks if you can start a site Monday. A draw you counted on slips two weeks. Excavation problems tend to arrive with a deadline attached, which is why so many owners search for same-day funding.

Here is the honest version: our decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. We do not promise same-day money, and you should be wary of anyone who does without seeing your statements.

What makes a fast file

  1. Apply in about 5 minutes. Basic business and owner details, with a soft credit pull to start.
  2. Send about three months of bank statements. This is the core of the review. No tax returns are required.
  3. Answer questions quickly. If we ask about a large deposit or a gap between draws, a prompt answer keeps things moving.
  4. Review the offer. It shows the full repayment amount and schedule before you accept.

Urgent needs we see from excavators

Picking the right product under pressure

Speed should not be the only thing that decides. A lump sum of working capital fits a known cost. A business line of credit for excavation fits repeated surprises. FICO 500+ is considered across products, sole proprietors can apply, and amounts range from $25,000 to $5,000,000 depending mainly on your deposits and existing obligations.

Fast does not mean careless

Take ten minutes with the offer, even when the clock is running. Check the total repayment, check the schedule against your next few draws, and only take what the problem needs. If the honest answer is that you need less than you first thought, take less. A smaller amount is easier to carry through the next wet week or slow-paying job. Then start your 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 a fast funding request down?

Missing statements, unexplained large deposits or delayed answers to follow-up questions. Having three months of statements ready helps most.

Does applying hurt my credit?

We start with a soft credit pull, so checking your options does not affect your score the way a hard inquiry would.

Do I need tax returns for fast funding?

No tax returns are required. About three months of business bank statements are the main document.

Is there a minimum credit score?

FICO 500+ is considered, and your deposit history carries real weight in the review.

Which product is fastest for an excavation emergency?

Speed is similar across our products once statements are in. Pick the one that matches the need: a lump sum for a known cost, a line for repeat surprises, equipment financing for a machine.

Emergency repair $35,000.00
Late draw payroll $52,000.00
Quick mobilization $80,000.00
Rental for rush job $28,000.00

Example uses for illustration only.

How to improve your chances

Get these ready now so a future urgent request moves faster.

  • Download your last three months of statements
  • Note any unusual deposits and what they were
  • Keep owner ID and business details handy
  • Decide the exact amount the problem requires

Our speed vs. a typical bank

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

Get moving on the problem today

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

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