Qualified businesses can be funded in as little as 24 hours. Built for established businesses doing $60K+ a month that want capital without losing momentum.
Start my clockFast Funding Timeline
Fill out a short application and upload recent statements, and your file is reviewed through our partner, Merchant Fund Express.
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.
The application takes about five minutes. About three months of bank statements, no tax returns, and funding in as little as 24 hours for qualified businesses.
Starting with a soft pull, FICO 500+ considered, and revenue weighed heavily keeps the first step simple.
The offer lists the full repayment amount before you accept, with no surprise costs after you sign.
The schedule is in your offer up front, so you can budget around it before funds arrive.
Speed comes from a short process, not shortcuts. Here is a typical flow for a qualified business. Your timing may differ based on your documents and your bank.
| Stage | What happens |
|---|---|
| Application | About 5 minutes online, with a soft credit pull to start |
| Statements | You upload about three months of business bank statements |
| Review | Deposits, balances and existing obligations are reviewed |
| Offer | You see the amount and terms in writing |
| Funding | After signing, funds are sent to your business account |
Most delays are not on the review side. They happen when a statement is missing a page, the business name on the account does not match the application, or a follow-up question sits unanswered overnight. Owners who move fastest treat the application like a closing: everything gathered first, phone and inbox close by, decision maker available to sign.
This program is built for established businesses doing $60,000 or more a month whose credit is not perfect. FICO from 500 is considered because the deposits tell most of the story. No tax returns are required. That combination makes it practical for owners who are scaling faster than their financial paperwork, or who are still building business credit.
Amounts range from $25,000 to $5,000,000, provided through our partner Merchant Fund Express.
If the need is urgent payroll, see funding for payroll; for stock runs, inventory funding.
For illustration: an owner with $180,000 in monthly deposits takes $75,000 to fund a second location's buildout. Before signing, they map the repayment schedule against the next six months of projected deposits and leave a cushion for a slow month. That habit, checking the numbers before the money lands, is what separates growth from strain.
Start your application and see what your deposits support.
No. Qualified businesses can be funded in as little as 24 hours, but timing depends on your documents and bank processing.
Sometimes the process moves quickly, but anything faster depends on the file and the bank, so plan around 24 hours as the best case.
FICO from 500 is considered. Revenue and deposit consistency carry significant weight in the review.
About three months of complete business bank statements and accurate business details. Tax returns are not required.
Funding is provided through our partner Merchant Fund Express. TrueCredit Partners connects you to the application.
Example uses for illustration only.
The fastest files are the ones that answer questions before anyone has to ask.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding