Merchant Fund Express
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Working Capital Loans in Fort Worth, TX

Cover payroll, inventory and repairs while your receivables catch up. A 5-minute application and about three months of bank statements.

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Working Capital | Fort Worth

Keep your Fort Worth business running through the gaps

Slow pay from customers, seasonal dips and surprise repairs all hit cash flow. Working capital keeps operations steady.

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.

Built for busy Fort Worth operators

Quick decisions, short paperwork

Apply in about 5 minutes with roughly three months of statements. Funding in as little as 24 hours for qualified businesses.

Room for imperfect credit

FICO 500+ is considered, and a soft pull starts the process.

Costs laid out before you sign

Every offer shows the full repayment amount before you accept, with no surprise costs after you sign.

A schedule you see up front

Your repayment schedule is in the offer, so you can match it to your cash cycle.

Waiting on deposits to land?

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.

Working capital is about timing

Most cash crunches are not about whether a business is healthy. They are about timing. A general contractor in Fort Worth may finish a job and wait weeks on payment. A restaurant near Sundance Square may need to cover payroll during a slow stretch after the holidays. Working capital funding bridges that gap so the business keeps running while the money catches up.

We fund from $25,000 to $5,000,000 for established businesses with steady deposits.

Common uses we see around Fort Worth

Fort Worth has a broad business base: aviation and defense suppliers, logistics around the north side, healthcare, construction and a busy hospitality scene. Each runs on its own cycle, and working capital is the tool that keeps those cycles from causing problems.

What applying looks like

The application takes about 5 minutes. After that, we ask for roughly three months of business bank statements. There are no tax returns to dig up. We start with a soft credit pull, consider FICO scores of 500 and above, and accept applications from sole proprietors.

When an offer is ready, it lists the total repayment amount and the schedule, so you can judge it against your actual cash flow before you agree.

Sizing the request

Ask for what the need actually costs, plus a small cushion, rather than the largest number you can get. For illustration: a Fort Worth landscaping company heading into spring might add up two payrolls, a mower repair and a fertilizer order, then request about that amount. A request tied to real costs is easier to evaluate and easier to repay. We size offers mainly around your deposits and existing obligations, so a clean statement history matters more than a long pitch.

Other options to compare

If your need comes and goes, a Fort Worth business line of credit lets you draw as needed. If your revenue is mostly card sales, a merchant cash advance in Fort Worth ties repayment to sales. Need machinery? See equipment financing in Texas.

When you are ready, apply online.

Frequently Asked Questions

What can I use working capital for?

Day-to-day operating needs such as payroll, inventory, rent, repairs and covering gaps while you wait on customers to pay.

How much can my Fort Worth business get?

Offers range from $25,000 to $5,000,000. The amount depends mainly on your monthly deposits and the obligations you already carry.

Do you need my tax returns?

No. We work from about three months of business bank statements plus a short application.

How quickly is money available?

Qualified businesses can be funded in as little as 24 hours after approval and signed paperwork.

Does my credit score have to be high?

FICO 500+ is considered. Your deposits and how steady they are matter a great deal in the review.

Payroll gap $48,000.00
Inventory buy $90,000.00
Truck repair $26,000.00
New contract $150,000.00

Example uses for illustration only.

How to improve your chances

Small changes in how you run your accounts can improve future offers.

  • Deposit all revenue into your business account
  • Avoid negative balance days where you can
  • Track what you owe on other financing
  • Keep your statements easy to read and current

How we compare to a bank loan

Merchant Fund Express
Traditional bank loans
Time to apply
About 5 minutes
Hours of paperwork
Paperwork
Bank statements, no tax returns
Tax returns, financials, plans
Credit
FICO 500+ considered
Higher scores usually expected
Funding speed
As little as 24 hours if qualified
Several weeks is common
Sole proprietors
Can apply
Often harder to qualify

Get working capital for your Fort Worth business

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

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