Merchant Fund Express
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Working Capital for Arizona Businesses

Cover payroll, inventory, and growth costs. Funding from $25,000 with a soft pull to start and about three months of bank statements.

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Working Capital, Arizona

Keep up with growth without draining your account

New contracts, new hires, and new locations all cost money before they pay off. Working capital keeps your Arizona business moving while revenue catches up.

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.

Working capital, minus the hassle

Fast decisions, little paperwork

About three months of statements and a 5-minute application. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered, with deposits and history weighed alongside your score.

Costs you can see

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

A plan for repayment

Your offer lays out the repayment schedule up front.

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.

Growth has a cash cost

Arizona has seen steady growth in construction, healthcare, logistics, and home services as people and companies keep moving in. Growth is good, but it eats cash. You hire before the new contract pays. You buy materials before the job closes. You open a second location and carry two rents while the new one ramps up. Working capital covers that stretch.

Common uses we see

How to apply

The application takes about five minutes and starts with a soft credit pull. We review about three months of business bank statements and do not require tax returns. FICO scores from 500 are considered, and sole proprietors can apply.

Your offer shows the full repayment amount and the repayment schedule before you accept. Funding can arrive in as little as 24 hours for qualified businesses.

Sizing your request

The amount we can offer depends mainly on your deposits and any financing you already carry. For illustration, a business with consistent deposits and no other obligations is generally in a stronger position for a larger amount than one whose account already sends several payments to other funders each week. Before applying, write down the exact costs you are covering, such as three payroll cycles, a supplier order, or a deposit on new space, and add them up. That number is your starting point. Requesting more than you need adds cost without adding value. Requesting too little can leave you short halfway through the project and searching for more money in a hurry, which is rarely a good position to negotiate from.

Matching the product to the need

If most of your revenue comes through card sales, a merchant cash advance in Arizona may track your cash flow more closely. If needs come up unpredictably, a line of credit lets you draw only when you need it. For a truck, oven, or machine, look at equipment financing.

Frequently Asked Questions

How much working capital is available?

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

Is there a revenue minimum?

We do not state a hard revenue minimum. We work with established businesses that have steady deposits.

How fast is funding?

Funding can arrive in as little as 24 hours for qualified businesses after you accept your offer.

Will you pull my credit hard?

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

What paperwork is required?

A short application and about three months of business bank statements. No tax returns.

What if I already have other financing?

Tell us up front. Existing obligations affect how much we can offer, and an honest picture helps us build an offer your deposits can support through slower months.

New hires $60,000.00
Second location $120,000.00
Peak inventory $75,000.00
Rooftop unit $28,000.00

Example uses for illustration only.

How to improve your chances

Here is how to put your best foot forward when you apply.

  • Keep all revenue in one business account
  • Collect overdue receivables before applying
  • Avoid overdrafts and returned items
  • Know exactly what the funds will be used for

Working capital: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Long and detailed
Documents
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Strong credit expected
Funding
As little as 24 hours if qualified
Weeks or more
Sole proprietors
Can apply
Often limited

Fund your next move in Arizona

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

Apply for Funding
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