Merchant Fund Express
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Working Capital Loans in Seattle, WA

Operating cash for established Seattle businesses with steady deposits. A short application and about three months of statements.

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Working Capital ยท Seattle

Bridge the gap between Seattle's busy and slow seasons

Summer job backlogs, slow-paying commercial clients, holiday inventory. Working capital keeps the doors open, with your full repayment amount shown up front.

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.

What Seattle owners get with us

Fast, simple process

5-minute application, about three months of statements, no tax returns. As little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ considered, alongside your deposit history.

Clear cost before you commit

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

Known repayment schedule

The schedule is laid out in your offer up front so you can plan for it.

Payroll before sales come in?

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.

Operating cash for Seattle's busy and quiet stretches

Many Seattle businesses have a strong season and a quieter one. Landscapers and roofers work hard when the rain lets up. Restaurants and shops near the waterfront ride the summer visitor wave. Suppliers to the port, maritime trades and the region's large employers often wait on net terms to get paid.

Working capital funding gives you a lump sum to keep operations covered through those gaps. Repayment follows the schedule in your offer, so you know what is coming before you accept.

How Seattle owners use it

Need speed most of all? See fast business funding in Seattle. For working capital across the state, visit Washington working capital.

What we weigh

Our review centers on about three months of business bank statements. Steady deposits matter most, along with any obligations already coming out of the account. The amount we can offer is driven mainly by those two things.

Credit is part of the picture, and FICO 500+ is considered. We start with a soft pull. No tax returns are required, and sole proprietors can apply.

Funding range

Working capital ranges from $25,000 to $5,000,000.

Timing your request

Seattle owners with seasonal revenue often get the most from working capital when they plan ahead instead of waiting until cash is tight. A few points to consider:

A little planning keeps funding working for the business rather than against it.

Applying

The application takes about 5 minutes. After we review your statements, your offer lays out the full repayment amount and the repayment schedule. Qualified businesses can be funded in as little as 24 hours.

Frequently Asked Questions

What is working capital funding used for?

Day-to-day operating needs like payroll, materials, inventory, rent and marketing.

I run a seasonal business in Seattle. Is that a problem?

Seasonality is common and funders factor it into the review by looking at how your deposits move. We weigh it together with the rest of your file.

What do you need from me?

A 5-minute application and about three months of business bank statements. No tax returns.

Can sole proprietors apply?

Yes, sole proprietors can apply.

How quickly can funds arrive?

Qualified businesses can be funded in as little as 24 hours.

Should I apply before or during my busy season?

Many owners apply ahead of the busy season so funds are ready when costs start. Statements from a steady stretch also give a clear view of the business.

Summer crew $60,000.00
Invoice gap $75,000.00
Holiday inventory $45,000.00
Spring marketing $25,000.00

Example uses for illustration only.

How to improve your chances

A few practical steps help any Seattle working capital application.

  • Deposit customer payments as soon as they arrive
  • Keep business and personal accounts separate
  • Watch for overdrafts in the months before you apply
  • Know the payments you already owe each month

Our working capital vs. a bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Long and in person
Paperwork
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Often weeks
Credit check to start
Soft pull
Hard pull common

Fund your next Seattle season

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

Apply for Funding
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