Merchant Fund Express
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Working Capital for Connecticut Businesses

Bridge payroll, inventory, and slow invoices with a lump sum sized to your deposits. Five-minute application, no tax returns required.

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Working Capital, Connecticut

Cash for the gap between doing the work and getting paid

Connecticut businesses often front costs long before revenue lands. Working capital covers that stretch without a drawn-out bank process.

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 without the runaround

Short application, fast funding

About five minutes to apply and three months of statements. Qualified businesses funded in as little as 24 hours.

Credit flexibility

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

You see the total first

Your offer shows the full repayment amount before you accept. Nothing new appears after you sign.

Predictable schedule

The repayment schedule is set out in the offer so you can plan payroll around it.

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.

Keeping a Connecticut operation funded between paydays

Working capital is the money that keeps the lights on while revenue catches up. For a lot of Connecticut businesses, the catch is timing. A subcontractor to a large manufacturer may wait weeks for an invoice to clear. A landscaping company in the Naugatuck Valley spends heavily in early spring before the first big jobs pay out. A Mystic gift shop builds inventory for a summer rush that has not arrived yet.

Our working capital is a lump sum for those moments, sized mainly from what your business deposits.

Common uses we see

  1. Payroll while you wait on receivables.
  2. Inventory ahead of a busy season or holiday stretch.
  3. Taking on a larger contract that needs materials or extra staff first.
  4. Repairs to equipment, vehicles, or a storefront after a hard winter.
  5. Hiring before new revenue starts landing.

What it takes to apply

The application takes about five minutes. You will share about three months of business bank statements, and we start with a soft credit pull. No tax returns are required. FICO scores of 500 and up are considered. Sole proprietors can apply, and we focus on established businesses with steady deposits.

Funding runs from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

Choosing between working capital and other options

If your needs come in waves, a business line of credit in Connecticut lets you draw again as you repay. If your sales come largely through card terminals, a Connecticut merchant cash advance ties repayment to revenue. For machines and vehicles, equipment financing is often the cleaner fit. We are glad to talk through which one matches your situation.

An example of timing

For illustration: a Stamford commercial cleaning company signs a new office contract. It needs to hire and train staff and buy supplies right away, but the client pays its first invoice after the end of the month. Working capital covers payroll and supplies through that first cycle, and repayment is planned around the revenue the contract brings in.

Knowing the cost up front

Each offer shows the full repayment amount and the repayment schedule before you accept. There are no surprise costs after you sign, so you can check the numbers against your cash flow and decide calmly.

Frequently Asked Questions

What can Connecticut working capital be used for?

Most everyday business needs: payroll, inventory, repairs, hiring, marketing, or materials for a larger job.

How much working capital can I request?

Funding ranges from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.

Is there a hard credit check?

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

What documents do you need?

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

How quickly can funds arrive?

Qualified businesses can be funded in as little as 24 hours.

Can a new contract be a reason to apply?

Yes. Funding the upfront costs of a new contract is one of the most common uses of working capital.

Payroll $38,000.00
Spring materials $52,000.00
Truck repair $25,500.00
New hires $47,000.00

Example uses for illustration only.

How to improve your chances

Before applying, a little preparation helps you request the right amount.

  • Map out when your largest receivables should clear
  • Separate business and personal spending
  • Keep three recent statements handy
  • Request an amount tied to a specific need

Working capital: us vs. a traditional bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy forms and meetings
Documents
About 3 months of statements
Tax returns, P&L, balance sheet
Credit
FICO 500+ considered
Higher scores usually expected
Funding speed
As little as 24 hours if qualified
Weeks to months
Cost visibility
Full repayment shown before accepting
Varies by product

Get working capital lined up for your Connecticut business

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

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