Half a million is capital for businesses with real scale. If you run strong deposits well above $60K a month, a $500K request is worth preparing for.
Explore $500K funding$500,000 Funding
Funders weigh sustained deposits and existing obligations closely at this size. Requests are handled 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.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours after approval.
FICO 500+ is considered, starting with a soft pull. Sustained revenue carries significant weight.
Your offer includes the full repayment amount before you accept. No surprise costs after signing.
The schedule is laid out in the offer up front, ready to drop into your financial model.
Requests at $500,000 usually come from businesses well past the $60K-a-month mark: multi-location restaurants, medical groups, distributors, regional contractors on commercial work, and service companies with large crews. At this size, the money is often going into something with a long tail of return, such as an acquisition of equipment, a new facility, or the working capital for a contract that pays out over months.
If your needs go beyond this, see large revenue-based financing, which can reach up to $5,000,000 for bigger businesses.
This example is for illustration only and is not an offer or our terms. A food distributor deposits about $650,000 a month, keeps a healthy average balance, and has one equipment note. It wants $500,000 to add a refrigerated truck and stock a new product line. The owner estimates the new line adds $80,000 in monthly sales within a quarter. A funder reviewing that file sees strong deposits, modest obligations, and a clear use. Change any of those, and the picture shifts.
Comparing options? Read revenue-based financing vs. MCA.
Even at this size, the process starts the same way: a 5-minute application, a soft credit pull, and about three months of business bank statements. No tax returns are required, and FICO 500+ is considered. Larger files can take more review, but decisions move quickly and qualified businesses can be funded in as little as 24 hours. Funding is provided through our partner, Merchant Fund Express. Begin your application.
FICO 500+ is considered. At this size, deposits, account behavior, and existing obligations weigh heavily in the review.
Revenue-based products are generally not secured by specific assets, but agreements may include a personal commitment from the owner. Equipment financing is tied to the equipment.
Mainly by monthly deposits and existing obligations, along with account history and the purpose of the funds.
Yes. Many growing owners start with an amount that fits today and revisit as revenue grows. Each request is reviewed on its own.
No. The application starts with a soft credit pull and you review any offer before deciding.
Example uses for illustration only.
Operators asking for $500K tend to benefit from these steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding