Merchant Fund Express
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Fast Funding for Painting Contractors

Decisions move fast, with funding in as little as 24 hours for qualified painters. Apply in 5 minutes, no tax returns.

Apply in 5 Minutes

Fast Business Funding

Rush jobs need materials and crews before the deposit clears

Unit turns, walk-off jobs and a clear forecast all come with short notice. We keep the steps short so your crew can start on time.

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.

Fast funding without the bank wait

Short application, quick decision

Five minutes online and about three months of business bank statements. No tax returns.

Credit from FICO 500 considered

Your deposits carry weight, so a past credit issue does not decide things alone.

The total in writing first

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

Payments mapped out up front

The repayment schedule is laid out in your offer, so a quick yes is still a clear one.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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 starts Monday and the money is not there

Painting work often comes together quickly. A property manager needs units turned before move-in. A general contractor's painter walks off a job and they call you. A dry week of forecast opens up and you want to get three exteriors done. Each of those needs paint, labor and sometimes a lift, right now.

That is why contractors search for same-day funding for painting contractors. We will be direct about it: we do not promise same-day funding. Our decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

What makes a fast file

No tax returns are required, which removes one of the biggest sources of delay.

Common urgent needs

Fast funding from painters usually covers materials for a rush job, payroll while a large invoice is pending, or replacing equipment that broke mid-project. For breakdowns and other surprises, see our emergency funding for painting contractors. If the rush is a single large contract, our big contract funding page explains how we look at those.

Speed with a clear offer

Fast should not mean unclear. Your offer shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign. Take a minute to check that the payments fit a slower week, not only your busiest one. Taking just enough to cover the urgent job keeps room for the next one. Painting work is uneven by nature, and a rainy stretch or a delayed walk-through can push a payment back by a week or two. Building that possibility into your plan before you accept means the funding helps with the rush job instead of creating a new crunch later in the month.

Who qualifies

We work with established painting contractors with steady deposits. FICO scores from 500 are considered, sole proprietors can apply, and funding ranges from $25,000 to $5,000,000 depending mainly on deposits and existing obligations. Products include working capital, a merchant cash advance, lines of credit, equipment financing and revenue-based financing. Apply now.

Frequently Asked Questions

Can I be funded today?

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 down a painter's application?

Missing statements, mixed personal and business deposits, and unclear gaps. Uploading three months of clean business statements is the biggest help.

Do you pull my credit hard?

We start with a soft credit pull, which does not affect your score.

Do I need tax returns for fast funding?

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

Can a sole proprietor painter apply?

Yes. Sole proprietors can apply.

Unit turn paint $10,500.00
Rush job crew $16,000.00
Lift replacement $21,000.00
Slow invoice gap $27,000.00

Example uses for illustration only.

How to improve your chances

These steps help a painter's application move as quickly as possible.

  • Download your last three business statements now
  • Run all job payments through one business account
  • Know the exact amount and job it is for
  • Have a quick note ready on any deposit gaps

Our fast funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Hours of paperwork
Decision
Moves fast
Committee review
Funding
As little as 24 hours if qualified
Often weeks
Documents
About 3 months of statements
Tax returns and more
Credit check
Soft pull to start
Hard pull up front

Start the rush job on schedule

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

Apply for Funding
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