Cover payroll, inventory and slow winter months while you wait on customers. Funding from $25,000 for established Illinois businesses.
Apply NowIllinois Working Capital
Manufacturers, distributors, contractors and shops across Illinois use working capital to keep moving. 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, with deposits and current obligations weighed heavily.
The total is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer, so you can plan 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.
Illinois has a deep base of manufacturing, distribution and agriculture, and a huge service economy around Chicago. Each runs into the same squeeze. A machine shop in Rockford buys steel before the customer pays. A distributor near Joliet carries inventory for weeks. A grain-belt equipment dealer waits for farmers to sell their crop. Working capital from Merchant Fund Express covers the stretch between spending and collecting.
Keep your team paid while customer invoices are outstanding, or staff up for a new contract.
Buy ahead of busy seasons, take volume pricing from a supplier, or fill a large order.
Construction, landscaping and hospitality often slow in the cold months. Working capital can carry fixed costs until spring.
We fund established businesses with steady deposits. Fill out the 5-minute application, which begins with a soft credit pull, and upload 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.
Amounts run from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
The hardest time to review a file is when the account is nearly empty, because recent statements show the strain. If you can see a gap coming, such as a slow January or a big order that needs materials up front, apply while deposits are still healthy. It gives you more choice on amount and timing, and keeps the decision in your hands instead of the calendar's.
Two things carry the most weight: your deposits and your existing obligations. For illustration: two Illinois businesses each deposit similar totals over three months. One has steady weekly deposits and no other financing. The other has one large month, two thin ones, and an advance already being repaid. The first will generally have more room. Your offer shows the full repayment amount and schedule before you accept.
If your needs come in waves, compare a business line of credit in Illinois. Card-heavy businesses may prefer a merchant cash advance in Illinois.
Payroll, inventory, materials, repairs, marketing or covering a slow season. Share the purpose and we will match the product.
No. About three months of business bank statements is the core of the file.
Yes. We work with established businesses statewide, from the suburbs to downstate. The review is the same whether you are a Chicago storefront or a family business in a small downstate town.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
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 help any Illinois working capital request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding