Capital for brick-and-mortar shops and online sellers — funded around your sales and your seasonal inventory cycle.
Apply in 4 Minutes →Call (305) 384-8391Retail and e-commerce live and die by the inventory cycle: you have to buy stock months before the season that sells it. Tie up too much cash in inventory and you cannot fund ads; hold too little and you miss the rush. Merchant Fund Express funds retailers and online sellers based on sales and deposits — not just credit — so you can stock up for Q4, scale your ad spend, and never miss a peak.
As a direct funder — not a broker or marketplace — we underwrite and fund from our own capital. We have deployed over $50M to 1,000+ businesses across all 50 states, accept 500+ FICO, and reserve our most competitive pricing for 600, 650, and 700+ credit scores. Decisions land in 2-4 hours, not the weeks a bank takes.
Retail is a seasonal, inventory-heavy cash trap. The biggest selling weeks — back-to-school, Black Friday, the holidays — require you to buy and pay for inventory months ahead, often on supplier terms that come due before the products sell. Cash gets locked in stock sitting on shelves or in a warehouse, and a misjudged buy can leave you marking down dead inventory while the next season’s order is already due.
E-commerce adds its own pressure: ad costs rise relentlessly, marketplaces and processors hold a rolling reserve of your sales, and chargebacks and returns claw back revenue weeks after the sale. Whether you run a storefront with rent and POS hardware or an online brand fronting Meta and Google ad spend, growth demands cash up front and pays you back later. A single viral month can require capital you simply do not have on hand. Because we underwrite on sales volume and deposits, a strong retailer can qualify even with imperfect credit, get a decision in 2-4 hours, and repay as a share of revenue that flexes with slow seasons. Pair funding with a Clover POS through 1N1 Merchant Solutions for inventory and sales reporting, or sharpen your brand with Legend Media & Print.
Capital to buy seasonal stock and bulk orders ahead of your peak — so you never miss the rush for lack of inventory. Repaid as the goods sell.
An advance repaid as a small percentage of daily card and online sales — payments rise in peak season and ease in the slow months.
$10K-$500K for marketing, payroll, rent, and operations. Flexible repayment that flexes with your sales cycle.
Fast funding to scale Meta, Google, and Amazon ad spend during a winning campaign without starving the rest of the business.
Revolving capital you draw on for inventory spikes and seasonal swings — only paying for what you use.
Finance fixtures, POS hardware, and store build-outs — and pair with a Clover POS through our partner 1N1 Merchant Solutions.
typical funding for inventory, marketing, store build-outs, equipment, and seasonal working capital
600+ FICO unlocks our most competitive pricing. 500-599 FICO still approved with flexible options. No tax returns required under $250K. Funding range $5K-$5M.
We underwrite on your sales volume and bank deposits, not just FICO. A store or online brand with strong, consistent sales can qualify even with a 500-599 score because the revenue proves the business. We accept 500+ FICO; 600+ improves pricing and 650/700+ earns our best rates and longest terms. No tax returns required under $250K — three months of bank statements (plus processing or platform statements) typically support a decision in 2-4 hours.
We fund established retail owners with at least six months of operating history.
Consistent monthly revenue flowing through your business bank account.
Your three most recent business bank statements — no tax returns under $250K.
Operating in the United States with a valid business bank account.
Illustrative examples of the funding profiles we structure for retail and e-commerce businesses. Amounts, terms, and timelines vary by sales volume, credit, and use of funds.
Representative scenarios shown for illustration. Actual funding amounts, rates, and approval times depend on individual qualifications. Funding subject to approval. Not a guarantee of specific terms.
Merchant Fund Express funds from its own capital, so a retailer or online seller works with the people who actually approve the money — not a broker reselling the application or a marketplace that floods the inbox. That is why you can apply today, get a decision in 2-4 hours, and have funds the same or next business day. When a supplier offers a volume discount with a tight deadline, or a campaign starts winning and needs more inventory behind it, that speed turns a missed chance into a profitable quarter.
Holding the paper lets us repay as a share of your daily card and online sales — lighter in the slow months, heavier at peak — and blend inventory financing with working capital or a line of credit. Banks treat retail and e-commerce as volatile and slow-walk every file; we read your sales volume and deposits, including processor and platform statements, and fund around your real revenue.
Winning retailers match funding to the cycle. Seasonal and bulk inventory buys ahead of Q4 fit inventory financing or working capital repaid as the goods sell, while a merchant cash advance smooths day-to-day swings by flexing with sales. Ad-spend capital lets you scale a proven Meta, Google, or Amazon campaign without starving inventory or payroll, and a line of credit covers spikes and reserves you draw on only when needed.
Opening a location, launching a product line, or fronting a marketplace reserve calls for a larger facility structured around projected sales. We can also pair your capital with a Clover POS through 1N1 Merchant Solutions for inventory and sales reporting, and a Legend Media & Print refresh for packaging and signage. The application takes about four minutes and will not hurt your credit. Call (305) 384-8391 or apply online to stock up and scale.
Yes. Inventory financing and working capital are built for exactly this — capital to buy seasonal and bulk stock months ahead of your peak, repaid as the goods sell.
Yes. We fund both brick-and-mortar retailers and e-commerce sellers on Shopify, Amazon, and other platforms, underwriting on your sales and deposits rather than your storefront.
Often yes. We accept 500+ FICO and weigh your sales volume and deposits more heavily than your score. Strong sales can carry an approval in the 500s; 600+ unlocks more competitive pricing.
Many retailers choose a merchant cash advance repaid as a percentage of daily card and online sales, so payments rise during peak season and ease during slow months — matching your revenue cycle.
Yes. Marketing and ad-spend capital lets you pour fuel on a winning Meta, Google, or Amazon campaign without starving inventory, payroll, or the rest of the business.
A short application and your three most recent business bank statements; processing or platform statements help. No tax returns under $250K. The application takes about four minutes.
We fund across dozens of sectors. See related programs: Dental & Healthcare · Medical Practices · Construction · Restaurants & Hospitality · Trucking · Retail & E-commerce · All Industries. Ready to move? Start your application.
2-4 hour decisions. 500+ FICO. No tax returns under $250K. $5K-$5M available.
Start My Application →Call (305) 384-8391Recent fundings. Individual results vary; funding subject to approval.