Working Capital Loans

Merchant Xpress’ new way to working capital
Merchant Xpress Finance focuses on the true
health of your business - not just credit scores.

A good payment history and strong positive cash flow demonstrates the performance of your business and can help you to qualify for business loans from $5,000 up to $1,000,000. By reviewing business performance in addition to credit history, we can identify healthy businesses that others overlook. Our simple application coupled with our processors technology allows quick decisions and approve loans under $35,000 in as fast as one hour, and loans from $35,000 to $250,000 in as fast as one-two business days.

Our clients use our working capital loans for a wide variety of purposes. Since our small business loan has 3-18 month terms, it is ideal for efforts that will generate revenue within the loans' time periods. Typical uses includes inventory, equipment, temporary cash flow management( seasonal interruptions), working capital supplementation, marketing to generate new business, and unexpected business opportunities that you just can't pass up.

Cash Flow Loans
Business Equipment Loan
Business Expansion Loan

A simple application
A decision in 1-2 business days
Funding in 2-5 business days
6- to 18-month terms
Daily payments to pay down the loan quickly
No upfront fees, most industries qualify

Inventory Loan

Merchant Xpress Finance provides working capital with a mission to help successful small businesses grow. We step in quickly when small businesses cannot obtain a line of credit from their traditional bank lender.

Temporarily, your cash flow might light or expenses might be higher because you purchased more inventories to take advantage of a volume discount. Managing your cash flow well means purchasing sufficient inventories to satisfy your customers, while selling it quickly enough to cover your overhead and avoid storage bills. Consequently, you should generally be turning over your inventory in a few months.

If you need to borrow to purchase your inventory, you should also try to match revenue with expenses. That's why Merchant Xpress Finance 6-month to 18-month loans might be just right for you.

Cash Flow Loan

If you are a seasonal business, sometimes you need to purchase inventory and/or hire staff before the real revenue flows in from the season ahead. Or, you run into an unexpected business opportunity, expense or emergency that could severely stress your immediate cash situation. It is always important to leave a cushion of cash in your bank account to avoid returned checks or overdrafts. This is when a cash flow loan makes sense. It provides the working capital when you need it to keep your business running smoothly.

Cash flow loans are for generally healthy businesses that need temporary cash and have a broad customer base with a steady cash flow. If you decide you need a working capital loan, then Merchant Xpress Finance might be right for you.

Merchant Xpress Finance provides loans with a mission to help successful small businesses grow. We step in when small businesses cannot obtain a loan or line of credit from their traditional bank lender. We provide loans to small businesses based on business performance, in addition to credit history.


Which pile would you rather have? The pile of invoices on the left or the cash it represents on the right?

Merchant Xpress Finance can provide immediate cash with no waiting and without incurring new debt: you receive quick payment following invoicing. Not giving up any ownership of your company or borrowing money long term when you can finance your invoices for immediate cash.

Having a factoring program in place may be essential for survival, since it gives a business immediate access to the cash it needs to survive. "Consider also that hard times may last longer than you think, "studies show that the primary reason companies fail is not under capitalization, but poor cash flow”.

Business Equipment Financing

Merchant Xpress can finance the business equipment you're looking to acquire that is critical to your business and its expansion. You need to consider depreciation of your asset, leasing costs, tax benefits and a number of other variables to fairly determine your lease versus buy options. Merchant Xpress Finance has business loans and leasing options to allow you to get the equipment you need.

As a fast rule of thumb, however, if your equipment has a low obsolescence factor and depreciates over 5 to 10 years, it's usually better to buy the asset. If the equipment is technology-based with constant upgrades in software, leasing may be the better option. A small business loan from Merchant Xpress Finance can help you on your way to getting the equipment your business needs.

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Business Expansion Loan

If you are fortunate to be a growing small business – congratulations! It means more customers and sales, but it also requires more inventory to fill the shelves, more service/sales staff, requiring more space. If you’re clear on your plans for growing your business, are confident the expansion will grow your revenue, and need a loan to make it happen, then Merchant Xpress Finance might be right for you.

We offer loans from $5,000 to $1,000,000. This covers small improvements/renovations/signage to existing space up to larger projects such as construction for an addition. The loans are short term 6-24 months so you can pay off the debt quickly and begin realizing the profit from your expansion.

Merchant Xpress Finance steps in when small businesses cannot obtain a loan or line of credit from their traditional bank lender. We provide loans to small businesses based on business performance, in addition to credit history, and with a simple application can have a decision in 2-3 business days.

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