Merchant Fund Express
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Working Capital Loans in Las Vegas, NV

Cover payroll, materials and inventory while you wait on clients. $25,000 to $5,000,000 for established Las Vegas businesses.

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Working Capital ยท Las Vegas, NV

Working capital for the businesses behind the Strip

Contractors, vendors and service companies that keep Las Vegas running can get funding sized to their deposits.

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.

Working capital, minus the hassle

Speedy and simple

5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.

Room on credit

FICO 500+ considered. We weigh steady deposits heavily.

Costs disclosed first

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Schedule up front

Your repayment schedule is laid out in the offer so you can plan around it.

Need capital this week?

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.

The Las Vegas cash flow puzzle

Hospitality may be the headline, but the valley is full of businesses that serve it: linen and cleaning services, AV and staging companies, landscapers, plumbers, electricians, food distributors and medical offices. Many of them invoice large clients and wait for payment while costs keep coming. Working capital fills that gap.

What we fund

We provide $25,000 to $5,000,000 to established businesses with steady deposits. Common uses include:

What the review looks like

We use a soft credit pull to start and look at about three months of business bank statements. No tax returns are required. We consider FICO scores of 500 and above, and sole proprietors can apply. The things that shape your offer are your deposit consistency, how you manage your balance, and what you already owe. Qualified businesses can be funded in as little as 24 hours.

For illustration: a contractor's gap

Picture a commercial electrical contractor in North Las Vegas that lands a resort renovation job. Materials and labor start right away, but the first payment from the general contractor will not arrive for several weeks. The contractor uses $120,000 in working capital to buy materials and cover payroll, completes the first phase, and repays from the payments that follow.

Not every business needs that much. A landscaping company might need $30,000 to replace a mower and trailer before spring. The amount depends mainly on deposits and existing obligations, and every offer shows the full repayment amount and schedule before you accept.

Keep the money working

Working capital pays off best when it goes toward revenue: finishing jobs you have already won, stocking inventory you know will sell, or keeping trained staff through a slow stretch. Before you accept, check the repayment against your slowest recent month so the funding helps rather than strains your cash flow.

Compare before you commit

Every offer shows the full repayment amount and schedule before you accept, so you can weigh it against your margins. If you would rather draw only when needed, see our Las Vegas business line of credit. If most revenue comes from card sales, a merchant cash advance may fit. Otherwise, apply for working capital.

Frequently Asked Questions

Is working capital only for hospitality businesses?

No. We work with many kinds of established Las Vegas businesses, including contractors, service companies, retailers and medical practices.

How long does the application take?

About five minutes. Then you upload roughly three months of business bank statements.

What will it cost?

That depends on your file. Your offer lists the total repayment amount before you accept, with no surprise costs after you sign.

Do I need perfect credit?

No. FICO 500+ is considered, and your deposits play a major role.

When could I have the money?

In as little as 24 hours for qualified businesses.

Can a sole proprietor in Las Vegas apply?

Yes. Sole proprietors can apply, and we review business deposits the same way for every applicant.

Project materials $110,000.00
Payroll $85,000.00
Summer marketing $27,500.00
Van repairs $32,000.00

Example uses for illustration only.

How to improve your chances

A little preparation goes a long way in your review.

  • Deposit all business income into your business account
  • Keep a positive balance throughout the month
  • Note large client payments that arrive late
  • Prepare your three most recent statements

Working capital: MFE vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks to months
Credit
FICO 500+ considered
Strong credit needed
Documents
About 3 months of statements
Tax returns and statements
Application
5 minutes
Long forms
Credit check
Soft pull to start
Hard pull

Keep your Las Vegas business funded

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

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