Merchant Fund Express
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Fast Funding for Grocery Stores

Decisions move quickly. Funding in as little as 24 hours for qualified businesses, with a 5-minute application and no tax returns.

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Fast Grocery Store Funding

When the cooler quits, a month-long bank process won't help

We keep the steps short: apply, share recent statements, review a clear offer. Qualified grocers 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.

Speed without the guesswork

Short path to a decision

A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified stores.

Room for imperfect credit

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

Know the total before you sign

Every offer lists the full repayment amount up front, with no surprise costs after signing.

Repayment you can see coming

The payment schedule is spelled out in the offer, so you can plan around vendor days.

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 a grocery store needs money fast

Grocery emergencies have a clock on them. A walk-in cooler fails on Friday night and the meat department has hours, not days. A distributor offers a deep discount on a truckload of product if you pay by Tuesday. A storm knocks out power and the cleanup bill lands the same week as payroll.

People search for same-day funding because waiting a month for a bank is not an option. We want to be straight with you about timing: decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. We do not promise same-day funding.

What helps the process move

  1. Apply. The application takes about 5 minutes and starts with a soft credit pull.
  2. Share statements. About three months of business bank statements. No tax returns required.
  3. Review the offer. You'll see the full repayment amount and the payment schedule before you accept.
  4. Get funded. In as little as 24 hours for qualified businesses.

The quickest files are the ones with statements ready to upload and clear answers about what the money is for.

Who we work with

We work with established grocery stores, markets and specialty food shops with steady deposits. FICO 500+ is considered, and sole proprietors can apply. The amount depends mainly on your deposits and any obligations already coming out of your account.

Questions to ask yourself first

Urgency can push owners into taking more than they need. Before you apply, write down the exact number: the repair quote, the supplier invoice, the payroll total. Then ask how the repayment schedule fits your slowest week, not your best. If a discounted bulk buy is the reason, make sure the product will actually sell before it expires. A grocery store that borrows to stock shelves needs those shelves to turn. A clear purpose also makes the review faster, because we can match the offer to the actual need.

Pick the right tool for the emergency

A sudden repair might point toward grocery store emergency funding. A bulk buy from a supplier is closer to inventory funding. If your store runs heavily on card sales, a merchant cash advance is another option to compare.

Fast should not mean careless. Read the repayment amount and schedule against your weekly vendor bills before you sign. When you're ready, start the application.

Frequently Asked Questions

Can I get funded the same day I apply?

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

What slows a file down?

Missing statements, unclear deposit sources and incomplete applications. Having three months of statements ready helps the most.

Do you need my tax returns?

No. We review about three months of business bank statements instead.

Is a lower credit score a problem?

FICO 500+ is considered. Your deposit history is a big part of the review, and we start with a soft pull.

How much can a grocery store get?

Our range is $25,000 to $5,000,000. Your amount depends mainly on deposits and existing obligations.

What is the money usually used for?

Equipment failures, discounted bulk buys, storm cleanup and payroll during a tight week are common reasons.

Cooler failure $15,000.00
Bulk buy deal $45,000.00
Storm cleanup $25,000.00
Payroll week $30,000.00

Example uses for illustration only.

How to improve your chances

These steps tend to shorten the time from application to funding.

  • Download three months of statements before you start
  • Use one business account for all store deposits
  • Be specific about what the funds will cover
  • Respond quickly to any follow-up questions

Fast funding vs. a typical bank

Merchant Fund Express
Traditional bank loans
Time to apply
About 5 minutes
Appointments and long forms
Documents
About 3 months of statements
Tax returns and financials
Funding speed
As little as 24 hours if qualified
Several weeks
Credit
FICO 500+ considered
Strong credit usually expected
Initial pull
Soft
Often hard

Move fast without missing the details

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

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