Fuel your enterprise with substantial working capital designed for businesses generating \$50K+ monthly revenue. No real estate collateral required. Decisions in 24 hours.
Get Funded NowWhen your business reaches the point where a \$50,000 or \$100,000 capital injection barely moves the needle, you need enterprise working capital. Merchant Fund Express specializes in large-scale funding solutions between \$500,000 and \$5,000,000 for established businesses that need serious capital to maintain momentum, seize opportunities, and dominate their markets.
Traditional banks treat large working capital requests like mortgage applications. They want three years of tax returns, audited financials, personal guarantees on everything you own, and six months of committee reviews. By the time they approve your loan, the opportunity that prompted the request has evaporated. Our enterprise working capital program eliminates the bureaucratic friction that kills business momentum. We evaluate your business on its current performance, not on its history of perfect paperwork.
Businesses generating between \$500,000 and \$10,000,000 in annual revenue occupy a challenging financing gap. They have outgrown the small business lending products offered by community banks and online lenders, but they have not yet reached the scale where institutional capital markets and investment banks compete for their business. This middle market gap forces many successful companies to operate below their potential, turning down contracts, delaying expansion, and losing ground to competitors who have secured adequate capital.
Enterprise working capital from Merchant Fund Express fills this gap with purpose-built financing that matches the pace and scale of your business. Whether you need to purchase \$2 million in inventory to fulfill a major contract, cover a \$750,000 payroll expansion as you scale your workforce, or deploy \$1.5 million across multiple growth initiatives simultaneously, our capital solutions are designed to move at the speed of business, not the speed of banking committees.
The most successful businesses use enterprise working capital as a strategic tool rather than an emergency measure. Here are the highest-impact deployments we see among our funded clients:
Complete our streamlined application in under 10 minutes. Upload your last 4 months of business bank statements. No tax returns required for amounts under \$1M. Our system begins analyzing your business profile immediately upon submission.
Within 24 hours, a dedicated senior funding advisor reviews your application and presents a customized capital offer with transparent terms. You will see your exact funding amount, factor rate, repayment schedule, and total cost before making any commitment.
Take the time you need to review your offer. Ask questions, negotiate terms, and consult with your financial team. There is no pressure and no expiration on your offer. Once you accept, we prepare the funding documents for electronic signature.
After signing, funds are wired directly to your business bank account within 2-5 business days. For approved expedited requests, same-day and next-day funding may be available. Your dedicated advisor remains available throughout the life of your funding.
Enterprise working capital is designed for established businesses with proven revenue. Here are the qualification benchmarks:
| Requirement | Minimum | Preferred |
|---|---|---|
| Annual Revenue | \$600,000+ | \$1,500,000+ |
| Time in Business | 12 months | 24+ months |
| Credit Score (Owner) | 550+ | 620+ |
| Monthly Bank Deposits | \$50,000+ | \$125,000+ |
| Industry | Most industries accepted | Low-risk industries |
| Collateral Required | None (unsecured) | None (unsecured) |
Industry: Industrial Manufacturing (Ohio)
Challenge: Won a \$6.5M government contract but needed \$2.2M upfront for raw materials, equipment calibration, and temporary workforce expansion before the first milestone payment.
Solution: Merchant Fund Express provided \$2.2M in enterprise working capital with a 12-month repayment term structured around the contract's milestone payment schedule.
Result: Client fulfilled the contract on time, generated \$1.8M in net profit, and secured a follow-on contract worth \$9M. The working capital investment returned 4.2x within 14 months.
Industry: Healthcare Services (Texas)
Challenge: A 4-location urgent care network identified three prime lease opportunities simultaneously but needed capital for buildout, equipment, licensing, and initial staffing across all locations.
Solution: We structured \$1.75M in enterprise working capital with staggered disbursements aligned to each location's buildout timeline, optimizing the client's capital efficiency.
Result: All three locations opened within 5 months. Combined, they generated \$340,000 in monthly revenue by month 8, with the capital fully repaid by month 10 from operating cash flow.
Industry: E-Commerce / Consumer Goods (California)
Challenge: Needed to purchase \$850K in holiday inventory by September to secure manufacturer pricing, but Q3 cash flow was committed to marketing spend and existing operations.
Solution: \$850,000 in enterprise working capital funded within 4 business days, allowing the client to lock in preferred pricing and priority production slots with their manufacturers.
Result: Holiday season revenue exceeded \$4.2M, a 65% year-over-year increase directly attributable to full inventory availability. The capital cost was recovered within the first 3 weeks of holiday sales.
Speak with a funding specialist today. No obligation, no impact on your credit score.
Join 2,500+ businesses that secured growth capital through Merchant Fund Express