$5,000 – $500,000 | Approved same day | No tax returns required
MFE approves small business loans based on revenue — not just your credit score.
No hard credit pull to see your options. Funding in as little as 24 hours.
Traditional banks are not built for speed. When a small business owner applies for a loan at a commercial bank, the application enters a multi-step underwriting process: credit committee review, tax return analysis, business plan evaluation, collateral assessment, and compliance checks. This process — designed for large commercial borrowers — takes 3 to 6 weeks, sometimes longer.
For a small business owner with a $15,000 equipment repair or a $40,000 payroll gap, a 6-week wait is not an option. Merchant Fund Express was built to solve exactly this problem. The MFE approval model is designed around the one thing that actually matters for most small businesses: consistent revenue.
If your business generates $10,000 or more per month in verifiable deposits and has been operating for at least 3 months, MFE can review and approve your application the same day you apply. No tax returns. No business plan. No committee. Just a 5-minute application, a fast revenue review, and a same-day decision.
Complete the online application at merchantfundexpress.com. Provide your business name, EIN, monthly revenue, and intended use of funds. Upload 3 months of bank statements directly through the portal.
A dedicated funding specialist reviews your bank statements to assess monthly revenue, consistency of deposits, and business stability. No committee, no weeks of back-and-forth, no tax return analysis required.
You receive a specific approval offer — funding amount, terms, and repayment structure — typically within 2–4 hours of submitting a complete application. Ask questions, review terms, and decide without pressure.
Once you e-sign your agreement, funds are wired directly to your business account. Most applicants are fully funded within 24 hours of their initial application submission.
MFE keeps the qualification requirements straightforward. Here is exactly what you need:
Your business must have been actively operating and generating revenue for at least 3 consecutive months.
At least $10,000 in average monthly business bank deposits. This is the primary approval factor.
Most recent 3 months of business checking account statements showing deposits and balances.
Government-issued photo ID of the business owner and a voided business check for wire transfer.
| Approval Factor | MFE Fast Approval | Traditional Bank |
|---|---|---|
| Approval Time | Same day (2–4 hrs) | 1–4 weeks |
| Primary Approval Factor | Business revenue | Credit score + collateral |
| Tax Returns Required | No | Yes (2+ years) |
| Collateral Required | Typically no | Often yes |
| Min. Time in Business | 3 months | Typically 2 years |
| Funds Available | 24 hours | 3–6 weeks |
Merchant Fund Express provides fast approval small business loans across all major industries. A partial list of industries regularly funded includes:
A women's clothing boutique in Atlanta has an opportunity to purchase a discounted end-of-season inventory lot for $18,000. The weekend is their highest-revenue period and the supplier offer expires in 48 hours. The owner applies Thursday morning, is approved by noon, signs the agreement by 2pm, and has $18,000 wired to her account by Friday morning — in time to stock the floor for the weekend.
An HVAC company lands a 5-unit residential installation contract worth $75,000. The equipment and materials cost $30,000 upfront. The contractor applies for a $35,000 Working Capital Loan on Monday morning, receives same-day approval, and is funded Tuesday. Installation begins Wednesday — the job is completed on time and the full contract is invoiced.
5 minutes to apply. Same-day decision. Funded in 24 hours.
Apply Now (305) 384-8391Decision in 2–4 hours
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.