$25,000 to $5,000,000 for established Kentucky businesses. Three months of bank statements, no tax returns, and a soft pull to start.
Start ApplicationKentucky Working Capital
Kentucky suppliers, contractors, and service businesses often pay out before they get paid. We size working capital to your deposits to cover that stretch.
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 statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with deposit history and current obligations looked at too.
Your offer shows the full repayment amount before you accept, and nothing new appears after you sign.
The repayment schedule is in the offer up front, so you can match it to when customers pay.
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.
Kentucky has a lot of businesses that spend first and collect later. Parts suppliers feeding the auto plants wait on invoices. Horse farms carry feed, vet, and staff costs long before a sale. Distillery suppliers, from cooperages to bottlers, buy materials for orders that pay out down the line. Contractors in Lexington and Louisville front labor and materials until the draw comes in.
Working capital fills that gap. Merchant Fund Express provides $25,000 to $5,000,000 to established businesses with steady deposits.
The application takes about five minutes and starts with a soft credit pull. We review about three months of business bank statements. There are no tax returns to dig up. FICO 500+ is 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.
How much you can get depends mainly on your deposits and any obligations you already carry. We think the better question is how much you need and how the use pays back. Funding that drives revenue, such as materials for a confirmed order, usually holds up better than funding used to cover a shortfall that will keep returning.
If you expect to need cash again and again, a Kentucky business line of credit may be the better tool.
For illustration, take a Georgetown machine shop that lands a larger parts order from a regional manufacturer. The order means buying steel and tooling and adding a second shift weeks before the first invoice is paid. Deposits have been steady for years. Working capital sized to those deposits covers materials and wages through the gap, and the repayment schedule in the offer is planned against the customer's payment terms. Your own amount would depend on your deposits and existing obligations.
Both are based heavily on your deposits. Working capital is the broader term for funding used for day-to-day needs. We explain the structure of whatever product we offer before you accept.
About three months of business bank statements and the online application. No tax returns.
Established operations with steady business deposits can apply. Seasonal patterns are fine to explain on the application so we read them correctly.
We start with a soft credit pull, which does not affect your score.
Funding can arrive in as little as 24 hours for qualified businesses once the offer is accepted.
Example uses for illustration only.
These steps help you get an offer that fits your business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding