Fund payroll, inventory and seasonal prep with working capital sized to your bank deposits. FICO 500+ considered, no tax returns.
Get StartedMassachusetts Working Capital
From Berkshire inns to Boston contractors, Massachusetts businesses often spend ahead of income. We size working capital to fit what your deposits can carry.
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. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with steady deposits weighed heavily.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is in your offer from the start, so you can line it up with your seasons.
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.
Massachusetts owners know the timing problem well. A Woburn subcontractor buys materials before a project draw. A medical billing firm in Worcester hires staff before new clients' revenue arrives. A Gloucester fish market stocks up ahead of summer visitors. The money goes out first and comes back later.
Working capital from Merchant Fund Express covers that gap for established businesses with steady deposits, from $25,000 to $5,000,000.
Use our 5-minute online application. We start with a soft credit pull, then review about three months of business bank statements. Tax returns are not required. FICO 500+ is considered, and sole proprietors can apply.
We send an offer that shows the full repayment amount and the repayment schedule. Nothing changes after you sign. Qualified businesses can be funded in as little as 24 hours.
The size of your offer depends mainly on two things: how much and how steadily money moves through your business account, and what you already owe. Uneven deposits or heavy existing payments generally lower the amount. That keeps repayment manageable rather than squeezing your cash flow.
For needs that come back again and again, a business line of credit in Massachusetts may be a better match.
For illustration, picture a property maintenance company in the Merrimack Valley. In the fall it needs to service plows, stock salt, and line up drivers before the first storm. Its contracts pay monthly through winter, but the setup costs land in October and November. A working capital offer sized to its deposits pays for the prep, and repayment runs on the schedule in the offer as winter contract payments come in. Every business is different, but the pattern of spending before the season is common across New England.
Yes. We review established businesses across the state, from the Berkshires and Pioneer Valley to Boston and the Cape.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
Yes. The initial soft pull does not affect your credit score.
Seasonal businesses can apply. We look at your deposit pattern, and it helps to explain your busy and slow periods. A Cape restaurant or a ski-area shop will look very different month to month, and that context helps us size an offer that fits your real cash flow.
About three months of business bank statements and the short application. No tax returns.
Example uses for illustration only.
A cleaner file helps us size the right offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding