$5,000 – $500,000 | Same-day decisions | No weeks of waiting
When your business needs capital fast, MFE delivers.
No lengthy paperwork. No hard credit pull to check your options.
A fast business loan is defined by three things: a short application, a same-day or next-day decision, and rapid disbursement of funds. Merchant Fund Express is built around this model. The application takes about 5 minutes. Funding decisions are made the same business day. Once you sign your agreement, the funds are wired directly to your business bank account — typically within 24 hours of completing your application.
This is fundamentally different from how traditional bank loans work. A conventional small business bank loan involves weeks of underwriting, business plan reviews, collateral assessments, and committee approvals. For businesses that need capital now — to seize an opportunity, cover a payroll gap, replace broken equipment, or bridge a cash flow shortage — that timeline is not viable.
Fast business loans from MFE are revenue-based. Your monthly deposits, cash flow consistency, and time in business are the primary qualification factors. Personal credit score is reviewed but is not the deciding factor for most applicants.
Complete the online application — business name, EIN, monthly revenue, and a brief description of how you will use the funds. Upload 3 months of bank statements directly through the portal.
A dedicated MFE funding specialist reviews your application and bank statements the same day — typically within 1–4 business hours of submission.
You receive a specific offer: amount, terms, and repayment structure. Review it with your specialist, ask questions, and sign electronically when ready.
Funds are wired directly to your business account. Applications completed before noon on a business day often result in same-day or early next-morning funding.
| Criteria | MFE Fast Loans | Bank Business Loans |
|---|---|---|
| Application Time | 5 minutes | Hours to days |
| Funding Decision | Same day | 1–4 weeks |
| Money in Account | 24 hours | 2–6 weeks |
| Revenue vs Credit Focus | Revenue-first | Credit-first |
| Documents Required | 3 bank statements + ID | Tax returns, P&L, collateral docs |
| Min. Time in Business | 3 months | Typically 2+ years |
Fast business loans serve businesses across every industry. The common thread is a time-sensitive capital need that a traditional bank loan cannot address fast enough.
A contractor wins a $200,000 commercial renovation contract but needs $40,000 upfront for materials and labor. The job starts in 72 hours. MFE reviews the application same day, approves $45,000, and the contractor starts the project on time — with a clear profit margin locked in.
A busy Miami salon's main styling station breaks down mid-week. Replacing it costs $8,000. With a 3-week backlog of appointments, every day offline means lost revenue. The owner applies to MFE, receives $10,000 approval same day, and the replacement is ordered and installed within 48 hours.
An online retailer spots a liquidation sale for in-demand products at 60% below wholesale. The window is 48 hours. The owner needs $25,000 to move fast. MFE funds the advance within 24 hours — the retailer buys the inventory and sells it at full retail margin within the same month.
Fastest product available. Lump sum repaid as a percentage of daily card sales. Often funded within 24 hours.
Learn moreShort-term capital for operational needs. Fixed daily or weekly repayments. Fast approval and funding.
Learn moreFixed daily or weekly ACH payments based on your revenue. Predictable payback schedule, fast disbursement.
Learn moreRevolving access to capital. Draw what you need, repay, draw again. Ideal for ongoing fast-access needs.
Learn moreMost recent 3 months of your business checking account.
Driver's license or passport of the business owner.
For fast wire transfer to your account after approval.
Legal name, EIN, address, and monthly revenue estimate.
5-minute application. Same-day decision. Funds in 24 hours.
Start Application (305) 384-8391Same-day decision guaranteed
Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.