Amounts, documents, credit and timing in plain terms, for established businesses doing $60K+ a month and weighing their next round of capital.
Get my answerFAQ
Most questions come down to your deposits, and a 5-minute application gets you real numbers 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.
Qualified businesses can be funded in as little as 24 hours. You need about three months of statements, no tax returns, and five minutes.
The process starts with a soft pull, and your revenue carries real weight beside the score.
Every offer shows the full repayment amount before you accept, and there are no surprise costs after you sign.
The repayment schedule is laid out in your offer, so you know the plan before you commit.
| Question | Answer |
|---|---|
| Amounts | $25,000 to $5,000,000 |
| Speed | As little as 24 hours for qualified businesses |
| Credit | FICO 500+ considered; soft pull to start |
| Documents | About three months of business bank statements; no tax returns |
| Application | About 5 minutes |
| Provider | Our partner Merchant Fund Express |
Established businesses doing $60K or more a month whose credit is not perfect. Sole proprietors can apply. The program is not built for pre-revenue startups or personal expenses.
Match the product to the need:
Decisions move fast and qualified businesses can be funded in as little as 24 hours. Anything faster depends on your file and the bank, so we do not promise it. See 24-hour business funding for the timeline.
That is the full list to start. No tax returns, no business plan, and the first check is a soft credit pull. Most owners finish the application in about 5 minutes. For a deeper look at the review, see what funders look at.
For illustration: if your deposits average $85,000 a month but dip to $60,000 in your slow season, test any offer against the $60,000 month. If the payment still leaves room for payroll, rent and inventory in that month, the deal is sized well. If not, a smaller amount or a line of credit may be a better fit. See slow-month cash flow funding for more.
They are separate. Credit repair through TrueCredit Partners is not required to apply and is not part of the funding decision. Funding does not change your credit score. Many owners apply based on revenue now and keep working on credit on their own schedule. More in how business funding works.
From $25,000 to $5,000,000. Size the request to a specific plan and check the repayment against your slowest month.
The process starts with a soft credit pull, which does not affect your score.
The review centers on about three months of business bank statements, which show current revenue and cash flow.
You can still apply. Existing obligations are part of the review, so list them accurately.
No. Funding is provided through our partner Merchant Fund Express.
The amount, total cost, and how and when payments are collected. Read it fully before you sign.
Example uses for illustration only.
One more question we hear often is how to put your best file forward.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding