At $10M+ monthly revenue, you command the highest level of service. Custom facilities, institutional rates, and a dedicated enterprise team.
Apply Now — Fast ApprovalWhen your business generates $10M or more per month — exceeding $120M annually — you operate in the top fraction of a percent of American businesses. Your capital needs are equally exceptional: multi-million dollar facilities requiring custom structuring, institutional pricing, and a funding partner capable of executing at this scale without the bureaucratic delays of traditional banking. Merchant Fund Express provides elite enterprise funding through our dedicated institutional team, serving businesses from $10M to $50M+ in monthly revenue.
At this tier, we assign a dedicated enterprise team to your account — not a single advisor, but a team including a senior relationship manager, underwriting specialist, and structuring expert. Your team knows your business intimately and proactively identifies funding opportunities aligned with your strategic plan.
| Product | Typical Facility | Structure | Application |
|---|---|---|---|
| Corporate Working Capital | $2M–$5M+ | Revolving | Enterprise operations, cash management |
| Strategic Growth Capital | $3M–$5M+ | Term (12-48 mo) | Market expansion, division launch, M&A |
| Equipment Portfolio | $2M–$5M+ | Master lease | Fleet, production, technology infrastructure |
| Bridge Facility | $2M–$5M+ | Short term (3-12 mo) | Bridge to bank financing or equity event |
| Receivables Monetization | $2M–$5M+ | Revolving | Enterprise B2B with 30-90 day terms |
| Acquisition Line | $3M–$5M+ | Draw facility | Rollup strategy, strategic acquisitions |
| Requirement | Elite Enterprise Tier |
|---|---|
| Monthly Revenue | $10,000,000+ verified |
| Operating History | 3+ years |
| Financial Statements | CPA-reviewed or audited preferred |
| Management Team | Established C-suite or equivalent |
| Corporate Structure | Any (complexity is not an obstacle) |
| Industry | All industries served |
Business: Multi-division manufacturer, $14M monthly revenue, 3 production facilities
Need: $5M bridge facility while negotiating $20M bank syndication that was 4 months from closing
Solution: 6-month bridge facility at $5M with balloon maturity aligned to expected bank closing date. Facility structured to be fully prepayable without penalty when bank deal closed.
Result: Bridge capital allowed the company to acquire a competitor ($3.2M) and upgrade production equipment ($1.8M) immediately rather than waiting 4 months. By the time the bank deal closed, the acquired company was already integrated and contributing $1.9M monthly to the combined operation. Bank was so impressed by the seamless execution that they increased the syndication to $25M.
Business: 22-location healthcare network, $11.5M monthly revenue
Need: $4.8M to execute a rollup strategy — acquiring 4 independent practices in adjacent markets
Solution: Acquisition draw facility — $4.8M committed, drawn in tranches as each practice closes. Only interest on drawn amounts. Repayment from combined cash flow with 48-month amortization.
Result: All 4 practices acquired within 6 months. Network grew from 22 to 26 locations. Monthly revenue reached $14.2M. Administrative cost per location decreased 22% through shared infrastructure. Network became the dominant provider in its regional market.
At your revenue level, you have options. Banks will take your meeting. Private equity firms will return your calls. So why work with us? Three reasons: speed, flexibility, and execution certainty.
Banks take 3-6 months and may decline you after a lengthy process. PE firms want equity in exchange for capital. We provide debt capital in days with no equity dilution, no board seats, and no interference in how you run your business. When you need to move fast on an acquisition, a seasonal inventory build, or a strategic initiative, we execute while others deliberate.
Our institutional lender network includes private credit funds, family offices, and specialty finance companies that specifically seek $10M+ revenue businesses as clients. We leverage competition among these capital sources to deliver the best combination of rate, terms, and speed for every transaction.
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