Merchant Fund Express
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Working Capital Loans in Orlando, FL

Cover payroll, inventory and invoice gaps for your Orlando business. $25,000 to $5,000,000 with a 5-minute application and no tax returns.

Get Working Capital

Working Capital

Keep operations moving while you wait to get paid

From resort contractors to caterers and clinics, Orlando businesses often spend before they collect. Working capital closes that gap on a schedule you see before you accept.

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 without the bank runaround

Light documents, fast answer

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

Flexible on credit

FICO 500+ is considered, with steady deposits weighed heavily.

No hidden math

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Schedule set from day one

The repayment schedule is laid out in the offer up front, so you can plan around your season.

Cash flow tight this month?

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 the money between the work and the payment

Every Orlando business has a lag somewhere. A contractor finishes a resort renovation and waits on the invoice. A caterer buys food for a convention weeks before the check arrives. A medical office pays staff while insurance claims process. Working capital fills that lag so you can keep operating at full speed.

Common uses we see in Central Florida

If you buy a specific machine or vehicle, equipment financing in Florida may be the cleaner choice. If your needs recur, compare a line of credit in Orlando.

How we size an offer

Your amount depends mainly on your deposits and the obligations you already carry. We ask for about three months of business bank statements, and we do not require tax returns. FICO 500+ is considered, and we start with a soft pull. Funding ranges from $25,000 to $5,000,000 and can arrive in as little as 24 hours for qualified businesses.

For illustration: a landscaping company with steady weekly deposits and no other financing may see a larger offer than a similar company already carrying two obligations.

Signs it is time to add working capital

Owners often wait too long. A few signals suggest it is time to look:

Addressing the gap early usually means a cleaner file and more options. Waiting until deposits slow or overdrafts pile up makes the review harder. If you recognize two or more of these signals, pulling your last three statements and running the 5-minute application is a low-effort way to see where you stand, since the first look is only a soft pull.

Reading your offer

Before you accept, we show the full repayment amount and the repayment schedule. Check both against your slowest recent month, not your best one. When you are ready, apply in about 5 minutes.

Frequently Asked Questions

What can working capital be used for?

Operating needs like payroll, inventory, repairs, marketing and covering gaps while invoices are outstanding.

Do I need collateral or tax returns?

We do not require tax returns. The review centers on about three months of business bank statements and your existing obligations.

How much can an Orlando business get?

Between $25,000 and $5,000,000, depending mainly on deposits and existing obligations.

How fast is funding?

Funding can arrive in as little as 24 hours for qualified businesses after a complete file is submitted.

Are sole proprietors eligible to apply?

Yes. Sole proprietors can apply.

Can I repay early or take less than offered?

You can always request less than the maximum offered. Review the full repayment amount and schedule in your offer before you accept, and ask us about any terms you want explained.

Seasonal staffing $70,000.00
Bulk supplies $42,000.00
Invoice gap $90,000.00
Van repairs $27,000.00

Example uses for illustration only.

How to improve your chances

Small changes to your banking can improve the working capital offer you see.

  • Deposit all revenue into your main business account
  • Keep a cushion to reduce overdrafts
  • Collect older receivables before applying
  • Write down the exact use and amount you need

Our working capital vs. a bank term loan

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Hours of paperwork
Tax returns
Not required
Typically required
Credit
FICO 500+ considered
Strong scores favored
Speed
As little as 24 hours if qualified
Several weeks or more
Amounts
$25,000 to $5,000,000
Varies, often slow to scale

Fund the gap and keep your Orlando crew working

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

Apply for Funding
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