Working capital, equipment financing, MCA, and lines of credit built for small businesses in Hillsboro. $5K-$5M with decisions in 24 hours. 500+ FICO accepted.
Apply Now (305) 384-8391Banks decline most business loan applications because their underwriters don't understand business cash flow, seasonal patterns, or revenue swings. We do. We've funded thousands of small businesses across all 50 states. Our underwriters look at three months of bank statements, time in business, and revenue trajectory.
For small businesses in Hillsboro, this means: same-day decisions when paperwork is clean, funding in your account within 1–3 business days, and capital structured to fit how small businesses actually run.
Real human underwriters who understand Business financials.
Revenue and cash flow matter more than credit on business files.
Personal guarantee only on most working capital and MCA approvals.
Talk to funding experts with business experience — not chatbots.
Most small businesses in Hillsboro get a decision within 24 hours and funds within 1–3 business days. Same-day funding available on amounts under $250K with complete bank statements.
500+ FICO is our minimum for small businesses. Revenue and cash flow weigh more than credit score on a business file.
Most working capital and MCA approvals for small businesses require only a personal guarantee. Equipment financing uses the equipment as collateral.
Funded amounts range $5K to $5M depending on monthly revenue, time in business, and use of funds. Average funded amount for small businesses is around $185K.
Last 3 months of business bank statements, a one-page application, and basic business info. No tax returns required for amounts under $250K.
Most small businesses complete the process in under 24 hours from first contact to funded. Here's exactly what happens:
One-page application with basic business info. Three months of bank statements. No tax returns required for amounts under $250K. Applications take 4 minutes on average.
Soft credit pull — no FICO impact. Automated bank statement analysis. You get a non-binding pre-approval with estimated terms within minutes.
A real human underwriter with business experience reviews your file. Most small businesses clear underwriting the same day with clean statements.
Once you accept terms and sign, funds wire to your business checking account. Same-day wires on amounts under $250K when submitted before 11am Eastern.
Bank declines are common — about 82% of small business loans under $500K are declined. Our underwriting is different: we focus on bank statements and cash flow, not credit-score-heavy bank criteria. Most of our small businesses approvals come after a bank decline.
Yes — working capital, MCA, and revenue-based financing have no prepayment penalty. Pay off early and save on the remaining factor cost. Equipment financing prepayment varies by lender and is always disclosed upfront.
Working capital and MCA use daily or weekly small ACH withdrawals — micro-payments instead of one large monthly payment. Equipment financing and RBF use fixed monthly payments. Lines of credit: interest only on what you draw.
No — for working capital, MCA, and RBF products. Equipment financing terms vary and are always disclosed before signing. We never hide fees.
Yes. We have bilingual funding specialists and a full Spanish-language application. Call (305) 384-8391 and ask for español, or visit our Spanish pages at merchantfundexpress.com/es/.
Apply in 4 minutes. Decision in 24 hours. No obligation, no credit impact for pre-qualification.
Apply Now Take 4-Min Quiz (305) 384-8391