Working Capital in Montana for Established Businesses

Big state, long gaps between paydays

Montana businesses deal with distance and weather in ways most of the country does not. A contractor in Kalispell may lose weeks to snow. A ranch supply store in Miles City stocks up long before customers buy. A Great Falls HVAC company has to carry parts inventory for a sudden cold snap. In every case, the business is sound, but cash comes in on a different schedule than bills go out.

Merchant Fund Express offers working capital from $25,000 to $5,000,000 to established Montana businesses with steady deposits.

Common reasons Montana owners apply

• Bridging the off-season so you can keep key staff on payroll.
• Buying inventory early when suppliers or shipping times make waiting risky.
• Starting a bigger job that requires materials and labor before the first invoice is paid.
• Fixing what breaks, from a walk-in freezer to a service truck.
• Opening a second location in a growing town.

The application, step by step

Apply through our 5-minute application. We start with a soft credit pull, then review 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. Qualified businesses can be funded in as little as 24 hours.

The review centers on deposit consistency and existing obligations. Those two things shape the amount more than anything else. A business with even deposits and few existing payments generally has more room than one already juggling several.

Reading your seasons correctly

Three months of statements can look very different depending on when you apply. A Big Sky lodging business applying in April shows a different picture than the same business applying in August. Tell us about your calendar. We would rather understand the full year than misread a quiet stretch.

For illustration: an outfitter that does most of its business from June through September might apply in May to cover gear, guides and marketing, with the repayment schedule in the offer reviewed against the leaner months that follow.

Know what you are signing

Every offer shows the full repayment amount and the repayment schedule before you accept. There are no surprise costs after you sign, so you can decide with the whole picture in front of you.

If your needs come up repeatedly, a Montana business line of credit might suit you better. Card-heavy businesses can compare a merchant cash advance in Montana.