Cover payroll, materials and slow months while you wait on receivables. Funding from $25,000 for established Idaho businesses.
Start ApplicationIdaho Working Capital
Contractors, ag suppliers, shops and service firms across Idaho use working capital to bridge timing gaps. No tax returns, FICO 500+ considered.
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.
For qualified businesses, after a 5-minute application and about three months of statements.
FICO 500+ considered. Deposits and current obligations carry real weight.
You see the total in your offer before accepting. No surprise costs after you sign.
Your repayment schedule is spelled out up front, so you can plan cash flow around it.
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.
Picture a Treasure Valley framing contractor. The crew needs to be paid every Friday, lumber has to be bought before the job starts, and the general contractor pays thirty or more days after the invoice. Or a Magic Valley dairy supplier carrying receivables from farms that pay after their own sales come in. The work is profitable. The timing is the problem.
Working capital from Merchant Fund Express covers that timing gap so the business does not stall while waiting to get paid.
We fund established businesses with steady deposits. There is no long checklist:
Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
The amount depends mainly on your deposits and what you already owe. For illustration only: a business depositing a consistent amount each month with no other financing will generally have more room than a business with the same total but uneven months and two existing payments. We would rather offer an amount you can carry comfortably than one that strains your account.
Many Idaho owners wait until the account is nearly empty to ask for help. That is the hardest moment to review a file, because recent statements show the strain. If you can see a gap coming, such as a big spring job or a slow ski-off-season stretch, apply while deposits are still strong. You will have more room to choose the amount and timing that fits.
If you expect to need money repeatedly, compare a business line of credit in Idaho. Card-heavy businesses often look at a merchant cash advance in Idaho.
Most operating needs: payroll, inventory, materials, repairs, marketing or covering a slow stretch. Tell us the purpose and we will match the product.
No tax returns are required. We review about three months of business bank statements.
Qualified businesses can be funded in as little as 24 hours after approval.
We do not publish a hard revenue minimum. We fund established businesses with steady deposits and size offers to those deposits.
Yes. Your offer shows the full repayment amount and the repayment schedule before you accept.
Yes. Sole proprietors can apply for working capital.
Example uses for illustration only.
These steps tend to help any working capital application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding