A plain walk-through for established businesses doing $60K+ a month: apply, review, offer, and funding in as little as 24 hours for qualified files.
Walk me through itFunding Basics
You apply, your deposits get reviewed, and you see a written offer to accept or decline, all 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.
A 5-minute application plus about three months of statements. No tax returns, and qualified businesses can be funded in as little as 24 hours.
A soft pull starts things off. FICO 500+ is considered, and your deposits shape what can be offered.
Before you accept, you see the full repayment amount. Nothing is added after you sign.
Your schedule is laid out in the offer, so you can test it against your cash flow first.
You fill out a 5-minute application, share about three months of business bank statements, and a reviewer at Merchant Fund Express, our funding partner, looks at how money moves through your account. If your business qualifies, you receive an offer that lays out the amount, cost and repayment structure. You decide. If you sign, funding can arrive in as little as 24 hours for qualified businesses.
The process starts with a soft credit pull and does not require tax returns.
A lump sum for operating needs, repaid on a set schedule. More on working capital.
An advance against future sales, collected as a share of revenue or fixed remittances. More on MCAs.
A limit you draw against as needed; you generally pay on what you use. More on lines of credit.
Funding tied to a specific asset, which typically secures the deal. More on equipment financing.
Reviewers care about whether the business can comfortably handle repayment. That means looking at average monthly deposits, how consistent they are, daily balances, and any existing advances or loans. Credit matters, but FICO from 500 is considered, which is why this program serves established businesses doing $60K or more a month whose credit is still a work in progress. See the full list of what funders look at.
Ask for what the plan needs, not the largest number possible. For illustration:
| Goal | Cost of goal | Sensible request |
|---|---|---|
| Hire two technicians for 3 months | $48,000 | $50,000 |
| Bulk inventory at a volume discount | $120,000 | $100,000 plus cash on hand |
| New delivery van | $65,000 | Equipment financing |
Available amounts range from $25,000 to $5,000,000.
If anything is unclear, ask before you sign.
TrueCredit Partners offers credit repair as a separate service. It is not a step in the funding process and does not decide approval, and funding does not raise your score. Owners often run both tracks at once: apply based on revenue now, and keep building credit for future options. Begin your application when you are ready.
The application takes about 5 minutes. Qualified businesses can be funded in as little as 24 hours after review and signing.
Working capital is a lump sum. A line of credit gives you a limit to draw from as needed.
No. Sole proprietors can apply, as long as the business has steady deposits.
Funding and credit are separate. Do not expect funding to change your score; credit repair is its own service.
Example uses for illustration only.
Knowing how the review works lets you prepare the parts that matter most.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding