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Emergency Business Loans

When your business needs capital fast, we deliver. Get approved in minutes and funded in as little as 24 hours with flexible repayment options.

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24hrs
Funding Speed
$5K-$500K
Loan Amounts
85%+
Approval Rate
A+ BBB Rated256-bit SSL4.9/5 Rating24hr Funding

What Are Emergency Business Loans?

Emergency business loans are short-term financing solutions designed for businesses that need capital quickly. Unlike traditional bank loans that can take weeks or months, emergency funding can be approved within hours and deposited into your account the same day or next business day.

These loans are ideal for unexpected expenses, cash flow gaps, equipment breakdowns, or opportunities that require immediate capital investment.

When to Use Emergency Business Funding

  • Equipment failure: Critical machinery breaks down and needs immediate replacement to keep operations running
  • Cash flow gaps: Seasonal slowdowns or late-paying clients create temporary shortfalls
  • Emergency repairs: Unexpected property damage, plumbing issues, or facility emergencies
  • Inventory opportunities: Time-sensitive bulk purchase discounts from suppliers
  • Payroll coverage: Ensure your team gets paid on time during revenue dips
  • Tax obligations: Cover unexpected tax bills to avoid penalties and interest

Emergency Funding Options We Offer

ProductAmountSpeedBest For
Merchant Cash Advance$5K-$500K24 hoursBusinesses with steady card sales
Revenue Based Financing$10K-$500K24-48 hoursBusinesses with consistent revenue
Business Line of Credit$10K-$250K1-3 daysOngoing access to capital
Working Capital Loans$5K-$500K24-48 hoursGeneral business expenses

Qualification Requirements

Emergency business loans have more flexible requirements than traditional bank financing:

  • Minimum 3 months in business
  • At least $10,000 in monthly revenue
  • Active business bank account
  • No minimum credit score for most products

How to Apply for Emergency Funding

  1. Submit your application - Takes less than 5 minutes online
  2. Provide bank statements - Last 3 months of business bank statements
  3. Get approved - Most applications reviewed within 2 hours
  4. Receive funds - Capital deposited as fast as the same business day
Pro tip: Having your last 3 months of bank statements ready before applying can speed up the approval process significantly.

Frequently Asked Questions

Most applications are reviewed within 2 hours, and funds can be deposited as quickly as the same business day or next business day. The exact timeline depends on the funding product and your bank.

No. We work with business owners across the credit spectrum. While credit is one factor we consider, we focus more on your business revenue and overall financial health. Many of our clients have credit scores below 600.

For most emergency funding products, you need your last 3 months of business bank statements, a valid government-issued ID, and proof of business ownership. No tax returns or business plans required.

Yes. Our funding products are designed to help businesses that may not qualify for traditional bank loans. We evaluate your business based on revenue performance, not just credit scores.

You can use the funds for any legitimate business purpose including payroll, inventory, equipment, repairs, rent, marketing, taxes, or any other operational expense.

No. Merchant Fund Express never charges upfront fees or application fees. You only pay the agreed-upon cost of capital after you receive your funding.

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(305) 384-8391

Mon-Fri 9am-6pm EST

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