Cover payroll, inventory, and job costs across Georgia with $25,000 to $5,000,000 in working capital. Three months of bank statements, no tax returns.
Check My OptionsGeorgia Working Capital
Georgia businesses run on different cycles, from port logistics to farm supply to restaurants. We size working capital to your real deposits so it fits your cycle.
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.
A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We weigh deposit history and existing obligations alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so you can match it to your cash cycle.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Georgia is not one economy. A freight broker near Savannah, a poultry supplier in the north of the state, a restaurant group in Atlanta, and a contractor in Augusta all have different cash cycles. What they share is the gap between paying for labor and inventory today and collecting for the work later. Working capital from Merchant Fund Express is built to cover that gap.
We fund established businesses with steady deposits, from $25,000 up to $5,000,000. The amount is tied mainly to what moves through your business bank account, not a stack of tax filings.
If your cash need is ongoing rather than one-time, a business line of credit in Georgia may fit better.
Start with our 5-minute application. We begin with a soft credit pull, then review about three months of business bank statements. No tax returns are required. FICO scores of 500 and up are considered, and sole proprietors can apply.
Once we review your file, you get an offer that shows the full repayment amount and the repayment schedule before you accept. Funding can arrive in as little as 24 hours for qualified businesses.
The biggest factors are the size and consistency of your deposits and any existing financing you are already paying. A business with even monthly deposits and few obligations generally has more room than one with lumpy deposits and several payments going out. We would rather size an offer you can carry than stretch it.
For illustration, picture a Macon HVAC contractor heading into summer. Service calls double, and they need to hire two techs and stock compressors and coils before the rush. Their deposits are steady, but the cash to staff up arrives only after the busy months start. A working capital offer sized to their deposits lets them hire and stock in May, then repay on the schedule shown in the offer as summer revenue comes in. The numbers will be different for every business, but the pattern of spending ahead of revenue is common across Georgia trades, retail, and food service.
The key question is whether the use pays back. Funding that adds revenue, like stock for a known rush, tends to make more sense than funding to cover a loss that will repeat.
No. We work with businesses across Georgia, from metro Atlanta to rural counties, as long as the business is established with steady deposits.
About three months of business bank statements and the short online application. No tax returns are required.
We start with a soft credit pull, which does not affect your score.
Seasonal businesses do apply. We look at the pattern of your deposits, so it helps to explain your busy and slow months when you apply.
Funding can arrive in as little as 24 hours for qualified businesses once the offer is accepted and verified.
Example uses for illustration only.
A few steps can strengthen your file before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding