Merchant Fund Express
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Fast Business Funding in Indiana, No Tax Returns

Quick decisions and funding in as little as 24 hours for qualified Indiana businesses. $25,000 to $5,000,000, three months of bank statements.

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Fast Funding, Indiana

When the problem is urgent, keep the process short

Broken equipment, sudden supplier demands, a job that starts Monday. We focus on your deposits so Indiana owners get a decision quickly.

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 runaround

Fast, minimal paperwork

A 5-minute application and about three months of bank statements. No tax returns.

Credit is not the only test

FICO 500+ considered. We weigh deposits and current obligations too.

Full cost before you accept

Your offer shows the full repayment amount. No surprise costs after you sign.

Schedule shown up front

The repayment schedule is laid out in the offer, even when you are moving fast.

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.

Straight talk on same-day money

When an Indiana owner types "same-day funding" into a search bar, there is usually a reason: a walk-in cooler failed on a Friday, a supplier switched to cash on delivery, or a job came in that needs crews and materials this week. We understand the urgency, and we are straightforward about what we offer. Decisions move fast. Funding can arrive in as little as 24 hours for qualified businesses. We do not promise same-day funding.

Where the time goes

Most delays come from the file, not the funder. Missing statement pages, deposits mixed between personal and business accounts, or large unexplained transfers all lead to questions. A clean file can move quickly. Our process skips the slowest parts of bank lending: no tax returns and no long financial packets. You complete a 5-minute application, we start with a soft credit pull, and we review about three months of business bank statements.

Quick checklist

  1. Download three full months of business bank statements.
  2. Write down any loans or advances you are currently paying.
  3. Know how much you need and what it covers.
  4. Keep your phone nearby for follow-up questions.

Who we fund

We work with established Indiana businesses with steady deposits, from $25,000 up to $5,000,000. FICO 500+ is considered and sole proprietors can apply. Depending on your revenue, the right product could be working capital in Indiana, a merchant cash advance, or revenue-based financing. Indianapolis owners can also see our page on fast business funding in Indianapolis.

Common Indiana situations

We hear similar stories from across the state. A Terre Haute restaurant needs a new compressor before the weekend. A regional carrier out of the Indianapolis area needs to repair a tractor that serves local routes. A Fort Wayne retailer has a chance to buy closeout inventory if it pays this week. In each case, the deciding factor is a clean file: full statements, clear explanations, and a request sized to the real need. That combination is what lets a decision move fast.

Read the offer, even in a hurry

Your offer shows the full repayment amount and the repayment schedule before you accept. Take the few minutes to check it against a normal month of deposits. Speed solves today's problem; the right size keeps you from creating next month's.

Frequently Asked Questions

Will I get the money 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 is the fastest way to apply?

Complete the 5-minute application and have three full months of business bank statements ready.

Do you check credit?

We start with a soft credit pull. FICO scores of 500 and up are considered.

Do I need to live in Indianapolis?

No. We work with established businesses throughout Indiana.

How much can I request?

From $25,000 to $5,000,000, based mainly on your deposits and existing obligations.

Cooler repair $25,000.00
COD supplier $52,000.00
Crew and materials $78,000.00
Payroll gap $44,000.00

Example uses for illustration only.

How to improve your chances

Want a faster decision? Start here.

  • Have three full months of statements ready
  • Explain large deposits before we ask
  • Answer follow-up questions the same day
  • Know the exact amount you need

Fast funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Time to funds
As little as 24 hours if qualified
Often weeks
Documents
About 3 months of bank statements
Tax returns, financials
Application
5 minutes
Long forms
Credit check to start
Soft pull
Often a hard pull
Credit
FICO 500+ considered
Usually strong credit

Get a fast decision for your Indiana business

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

Apply for Funding
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