Merchant Fund Express
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Working Capital in South Carolina for Real Cash Gaps

From $25,000 to $5,000,000 for South Carolina businesses. About three months of bank statements, no tax returns and a 5-minute application.

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South Carolina Working Capital

Payroll, inventory and slow weeks, covered

From Upstate suppliers to coastal restaurants, South Carolina owners deal with net terms and seasonal swings. Working capital keeps the business moving while revenue catches up.

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.

Why South Carolina owners choose us

Quick, with little paperwork

A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.

More than a credit score

FICO 500+ considered. We start with a soft credit pull and weigh how your deposits actually look.

The full cost in writing

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

A schedule you see first

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

Waiting on deposits to land?

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.

Cash flow gaps look different from the Upstate to the coast

A supplier shop near Greenville ships parts on net terms and waits weeks to get paid. A rental and restaurant operator near Myrtle Beach earns most of the year in the warm months and carries fixed costs through the winter. A contractor outside Columbia buys materials before the first draw comes in. All three can be healthy businesses and still hit a week where the account runs thin.

Working capital fills that week. We provide lump-sum funding from $25,000 to $5,000,000 for ordinary operating costs: payroll, inventory, rent, materials and vendor bills.

How the review works

Our review starts with your bank activity. About three months of business bank statements tell us how much comes in, how steady it is and what already goes out each week.

We built this for established businesses with steady deposits. We do not set a hard revenue minimum, since a beach-season business and a year-round medical office have very different monthly patterns.

Where South Carolina owners put it to work

  1. Stocking up before the season. Coastal retailers and restaurants buying inventory and hiring staff ahead of spring and summer.
  2. Covering receivables. Manufacturers, suppliers and logistics firms tied to the Upstate plants and the Charleston port waiting on customer payments.
  3. Storm readiness and recovery. Owners along the coast keeping cash on hand through hurricane season.
  4. Taking on a bigger job. Builders and trades fronting labor and materials before a project pays.

Need ongoing access instead of one lump sum? See our business line of credit in South Carolina. Card-heavy businesses can compare a merchant cash advance in South Carolina.

Read the offer, then decide

Every offer spells out the full repayment amount and the payment schedule before you accept. Check those numbers against your own slow weeks, not just your best ones. Funding can arrive in as little as 24 hours for qualified businesses. When it makes sense, start your application.

Frequently Asked Questions

How much working capital can a South Carolina business get?

We fund from $25,000 to $5,000,000. The amount depends mainly on your deposit history and what your account already pays out to other obligations.

Do you need tax returns?

No. We work from about three months of business bank statements.

My business is seasonal. Can I still apply?

Yes. Seasonal businesses apply often. We look at the full pattern in your statements, including slower months, so the offer reflects how the business actually runs.

Does applying affect my credit score?

We start with a soft credit pull, which does not affect your score the way a hard inquiry would.

Can a sole proprietor apply?

Yes. Sole proprietors can apply. Steady business deposits matter more than how the business is structured.

Payroll $40,000.00
Season Stock $85,000.00
Materials $60,000.00
Storm Reserve $35,000.00

Example uses for illustration only.

How to improve your chances

A few steps can make your working capital request easier to review.

  • Keep business and personal spending in separate accounts
  • Have three months of statements ready as PDFs
  • Note any one-time deposits so they are not misread
  • List current obligations that draw on your account

Our working capital vs. a typical bank loan

Merchant Fund Express
Traditional bank loans
Paperwork
About 3 months of statements
Tax returns, financials, more
Credit
FICO 500+ considered
Often much higher scores
Speed
As little as 24 hours if qualified
Weeks of underwriting
Application
5 minutes
Long forms and meetings
Cost clarity
Full repayment amount up front
Rates and fees across documents

Ready to cover the next South Carolina cash gap?

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

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