# At $1M a month, funding reaches up to $5 million

URL: https://cheapcheapwebsites.com/business-funding/funding-for-1m-monthly-revenue/
Updated October 15, 2026. Funding offered by Merchant Fund Express (https://merchantfundexpress.com/funding-for-1m-monthly-revenue/); Cheap Cheap Websites builds websites and does not lend.

## The short answer
A business depositing about $1,000,000 a month can be reviewed for funding up to $5,000,000 at Merchant Fund Express, the top of its $5,000 to $5,000,000 range. Requests this large need full financial statements, tax returns and a debt schedule, not just bank statements. The structure, meaning term, product mix and payment timing, matters as much as the amount.

## What a $1M a month business can expect
Revenue alone does not set the amount. A $1,000,000 a month distributor with 4% margins has far less room for a payment than a $1,000,000 a month services firm with 20% margins. Reviewers look at profit, cash on hand, existing debt and how the new money produces new cash. The Merchant Fund Express $1M revenue page describes the review at this level.

## Structuring a large request
Split by purpose. A long-life asset, a working capital need and a seasonal swing each deserve their own tool. Match term to payback. If a new location takes 14 months to break even, an eight-month schedule will squeeze the whole company. Keep one product in reserve. An undrawn line of credit is cheaper protection than borrowing extra cash you do not need yet. Watch payment frequency. Monthly payments are easier to plan around than daily debits on a large balance.

## Illustrative example: $1.8 million for an acquisition
Assumptions: a commercial cleaning company deposits about $1,000,000 a month and buys a smaller competitor's contracts and equipment. It takes $1,800,000 with an assumed 2% fee and an assumed total repayment of $2,124,000 over 24 monthly payments. Item Amount Funding amount $1,800,000 Fee (2%) $36,000 Net cash received $1,764,000 Total repayment $2,124,000 Monthly payment (2,124,000 / 24) $88,500 Payment as share of deposits 8.85% These figures are illustrations, not offers. Real pricing, terms and amounts depend on the full file Merchant Fund Express reviews. If the acquired contracts bring $220,000 a month in revenue at a 25% margin, they add $55,000 a month in profit, which covers most but not all of the payment. The existing business must fund the remaining $33,500 a month, so its own margin has to allow that.

## Who fits and who does not
Good candidates have 2+ years of history, current CPA-prepared or well-kept financials, manageable existing debt and a specific project. Poor candidates have revenue that swings sharply quarter to quarter without explanation, overdue taxes, or several stacked advances. For the last group, an MCA refinance review should come first.

## The full document package
Six months or more of bank statements for every business account. Owner ID, a voided business check and the application. Two to three years of business tax returns. Year-to-date profit and loss and balance sheet, plus the prior year-end. Receivable and payable aging reports. A complete debt schedule. For an acquisition: the purchase agreement, the target's revenue history and the contracts being bought.

## When to wait or go smaller
If the acquisition terms are still moving, wait for a signed agreement so the request matches the real price. If you need $1.8 million but only $900,000 is needed in the first six months, fund in stages. If profit is thin, a smaller amount on a longer term may serve you better. See large revenue-based financing for a payment that flexes with sales.

## Frequently asked questions
**What is the largest amount Merchant Fund Express reviews?** MFE reviews requests from $5,000 to $5,000,000. Reaching the top of that range depends on profit, history, existing debt, credit and the use of funds, not revenue alone.

**Do I need audited financial statements?** Larger requests need full financial statements and tax returns, but not always audited ones. Well-kept or accountant-prepared statements usually serve. Ask early what format is needed so the review is not held up.

**Can large funding be split into stages?** Yes. Funding only what you need now and drawing more later, through a line or a second facility, can cut total cost and keep payments matched to how fast the project produces cash.

**Is Spanish-language service available for large requests?** Yes. Merchant Fund Express offers service in English and Spanish, which helps owners and finance staff who prefer to review terms in Spanish.

## Website for growing businesses
When a company absorbs another company's contracts, the acquired clients search the new name right away, so the website should explain the transition and list the combined services before the announcement. Cheap Cheap Websites builds professional sites from $399, and Website Care at $30/month handles hosting, backups and edits as the merger settles.

Apply for funding: https://merchantfundexpress.com/current-application.html?src=ccw-funding-for-1m-monthly-revenue
Website plans: https://cheapcheapwebsites.com/products