Same-day pre-qualification. Decision in 24 hours. Funds in your account in 1-3 business days. While banks take 60-90 days, we move at the speed your business actually needs.
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When opportunity knocks — or a crisis hits — speed isn't a feature. It's the entire product. Here's the real-world timeline difference.
| Step | Merchant Fund Express | Traditional Banks | SBA Loans |
|---|---|---|---|
| Application Time | 4 minutes online | 2-4 hours + bank visit | 20-30 hours of paperwork |
| Document Requirements | 3 months bank statements | 2 yrs tax returns + financials | 3 yrs tax returns + projections |
| Initial Response | Same day (often hours) | 3-7 business days | 2-4 weeks |
| Underwriting Time | 12-24 hours | 2-6 weeks | 4-8 weeks |
| Final Approval | 24 hours total | 30-60 days | 60-120 days |
| Funds in Account | 1-3 business days | 30-90 days after approval | 90-150 days total |
| Total Time to Funds | 2-4 days | 60-90 days | 3-5 months |
These are the moments when 24 hours vs. 90 days is the difference between growth and disaster.
Your delivery van, oven, or HVAC just died. Every day offline is lost revenue. We've funded $40K equipment replacements in 36 hours.
A major customer just placed a $200K order. You need $80K for inventory NOW. Bank says 6 weeks. We say tomorrow.
A competitor's location is for sale, your supplier offered 40% bulk discount, prime real estate just opened. Deals don't wait.
Big invoice paid late, payroll due Friday. We fund payroll bridges within 24-48 hours. Don't lose your team to a cash flow gap.
Christmas inventory, summer landscaping fleet, hurricane season generators — seasonal capital needs are predictable but urgent.
IRS demand letters compound fast. We've helped owners resolve tax issues with same-week funding when banks wouldn't even pick up.
Three steps. Most owners go from "I need money" to "funds in account" in 48 hours.
Basic business info + 3 months bank statements. No tax returns. No business plan. No projections.
Soft credit pull. Algorithm + human review. Most applicants get a soft offer the same day they apply.
Final underwriting completes within 24 hours. Multiple offers across MCA, RBF, working capital, and LOC.
E-sign your agreement and funds wire to your business account. ACH same-day available for an upcharge.
When you need money in days, not months — these owners didn't have time for a bank.
"My oven died Tuesday morning. A new one was $22K. Applied at 11am, approved by 4pm, funds in my account Thursday at 9am. We didn't miss a single service."
"Walmart vendor approval came through with a $400K PO. I needed $150K for inventory in 5 days. Bank laughed. MFE wired it on day 3. Made our biggest year ever."
"Tax payment due in 4 days, $45K short. Two banks told me 30+ days. MFE underwrote, approved, and funded in 53 hours. Saved my business from a federal lien."
See how Merchant Fund Express stacks up against traditional banks and other online lenders.
| Feature | Merchant Fund Express | Traditional Banks | Other Online Lenders |
|---|---|---|---|
| Speed to Funds | 1-3 days | 60-90 days | 5-14 days |
| Application Channel | 100% online | In-branch + online | Online only |
| Documents Required | 3 mo bank statements | Full financials + tax returns | Bank statements + ID |
| Min Credit Score | 500 | 680-720 | 600-680 |
| Min Time in Business | 6 months | 2+ years | 1 year |
| Funding Range | $5K – $5M | $100K+ | $10K – $500K |
| Decision Time | 24 hours | 2-6 weeks | 2-7 days |
| Personal Visit Required | Never | Usually | Never |
Quick answers to the most common questions.
4-minute application. 24-hour decision. Funds in 1-3 days. The fastest path from problem to solved.