From St. Louis to Springfield, get working capital from $25,000 to $5,000,000 with a soft credit pull to start and no tax returns.
Check My OptionsMissouri Working Capital
Missouri businesses run on seasons, contracts and slow-paying invoices. Working capital covers the gap so you can keep operating at full speed.
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 bank statements. Qualified businesses can be funded in as little as 24 hours.
FICO scores of 500 and up are considered. We weigh your deposit history alongside your credit.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer, so you can plan around it before committing.
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.
A machine shop outside St. Louis waiting on a supplier invoice to clear, a Branson attraction staffing up before the summer crowds, a farm supply store in the Bootheel stocking ahead of planting. Each of these is a working capital problem: the business is healthy, but the money coming in does not line up with the money going out.
Merchant Fund Express offers working capital from $25,000 to $5,000,000 for established Missouri businesses with steady deposits. The goal is simple. Cover the gap now, repay on a schedule you saw before you signed.
Start with the 5-minute application. We begin with a soft credit pull, then look at about three months of business bank statements. No tax returns are required. FICO scores of 500 and up are considered, and sole proprietors can apply.
What we weigh most is how consistent your deposits are and what you already owe. Two businesses with the same annual sales can receive very different offers if one carries several existing payments and the other carries none.
Missouri businesses feel the calendar. Landscapers and roofers slow down in winter, lake towns empty out after Labor Day, and agriculture-linked businesses follow planting and harvest. Our review looks at your actual deposit pattern across the statements you send, so the offer reflects how money really moves through your account. Your offer lays out the full repayment amount and the schedule before you accept, with no surprise costs after you sign.
If you expect to need cash more than once, a business line of credit in Missouri lets you draw when you need it. Card-heavy businesses such as restaurants and retailers sometimes prefer a merchant cash advance in Missouri. Kansas City owners can also see working capital loans in Kansas City.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours once the review is complete.
No. We review about three months of business bank statements instead of tax returns.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
Yes. Sole proprietors can apply, as can LLCs and corporations with steady deposits.
Amounts range from $25,000 to $5,000,000. Where you land depends mainly on your deposits and existing obligations.
Example uses for illustration only.
A few steps can strengthen your working capital offer before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding