Merchant Cash Advance / Same-day funding

Same-day merchant cash advance funding — submit by 3 PM

Working capital when you need it today, not next week. Complete files received before 3:00 PM local time are eligible for same-day wire or ACH — from $10,000 up to $2,000,000, unsecured, with a 550+ FICO and $10K+ in monthly business revenue.

Call (817) 482-3900

Secure, TLS-encrypted application. For MCA / short-term business financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.

How same-day funding works

Step 1

Submit by 3:00 PM

Send your 1-page app and last 4–6 months of business bank statements.

Step 2

Offers in ~1 hour

We shop your file across our funder shelf and return real offers to compare.

Step 3

Funded same day

Sign, verify a quick call, and receive wire or ACH before end of business.

*Same-day funding is subject to complete documentation, receiving-bank cut-off times, and final underwriting approval.

Who qualifies for same-day

U.S. LLC, corp, or sole prop with an EIN
Minimum 550 personal FICO score
$10,000+ in average monthly business revenue
4 – 6 months of business bank statements
Up to 5 NSFs across the last 3 months
Currently in position 1 through 6
Complete file received by 3:00 PM local time

2-minute pre-qualifier Full guidelines

Today's cut-off

3:00 PM local time

Renewals and existing clients often fund faster. If you're past cut-off, we'll queue you first thing tomorrow — no weekend delays on files received Friday afternoon.

Talk to a funder now

Secure & confidential applicationTLS-encrypted submission

Your application is transmitted over an encrypted (HTTPS/TLS) connection to our secure intake provider (Jotform) and shared only with underwriting staff and funding partners required to evaluate your request. We do not sell your personal information. See our Privacy Policy and Terms of Use.

Commercial-purpose financing only. All loan, line-of-credit, merchant cash advance, and real-estate products offered through The Local Loan Store, a product of Monumental Funding Solutions LLC, are for bona fide business or commercial purposes and are not consumer loans. Products are not subject to the federal Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), or Equal Credit Opportunity Act (ECOA) consumer protections. Business owners may be required to provide a personal guaranty.

Merchant cash advance / short-term working capital. A merchant cash advance is a purchase of future receivables, not a loan. Amounts, factor rates, holdback percentages, and remittance schedules are determined by underwriting and vary by business. Same-day funding is not guaranteed and depends on complete documentation, bank verification, and cut-off times. Early payoff does not necessarily reduce total repayment.

Contact authorization. By submitting an application you authorize The Local Loan Store, Monumental Funding Solutions LLC, and our funding partners to verify bank statements and business information, and to contact you by phone, SMS, and email (including autodialed or prerecorded messages) at the numbers you provide, regarding your application and related offers. Consent is not a condition of any purchase or financing. Message and data rates may apply; reply STOP to opt out of SMS.

State disclosures. Commercial financing disclosure statements required by state law (including CA SB 1235, NY Commercial Finance Disclosure Law, VA, UT, GA, FL, CT, KS, and MO) will be provided in writing with any specific offer prior to consummation, where applicable. We do not currently accept applications for property or businesses located in California, Oregon, Idaho, Nevada, Utah, Minnesota, South Dakota, Michigan, New Jersey, or Virginia. Programs, availability, and terms are subject to change without notice and may not be available in every state.