The short answer
At a glance
| Amount range covered | About $500,000 to $5,000,000 (MFE reviews $5,000 to $5,000,000) |
|---|---|
| Revenue guideline | Varies by product; an MCA is often sized around 0.5x to 1.5x monthly revenue, illustrative only |
| Who usually fits | Established businesses with steady deposits in the hundreds of thousands per month or more |
| Time in business | Varies by product; lines of credit usually 1+ year, working capital often 6+ months |
| Credit | Scores from 500 are considered; stronger credit usually means better offers |
| Documents | 3 to 4 months of bank statements, ID, voided check, application, plus financials and tax returns on larger requests |
| Speed | Same-day decisions are common on complete files; large files often take longer, never promised |
| Equipment | Large equipment can be financed, terms matched to equipment life, never more than 60 months at MFE |
| Avoid if | You are stacking several open advances or cannot show the revenue behind the request |
Before you apply: checklist
- Pull your last 4 months of business bank statements for every operating account
- Have a year-to-date profit and loss statement and a balance sheet ready
- Gather your two most recent business tax returns
- List every open loan, advance and lease with balances and payments
- Write one paragraph on what the money is for and how it pays back
- Get vendor quotes for any large equipment in the request
- Decide the smallest amount that still gets the job done
Check what your business qualifies for
Merchant Fund Express reviews large business funding ($500k to $5m) requests from $5,000 to $5,000,000. Scores from 500 are considered, and same-day decisions are common on complete files.
Check funding options with Merchant Fund ExpressWho large funding is built for
Requests above $500,000 usually come from businesses that already run at scale: multi-location restaurants, regional contractors, distributors, medical groups, fleets and manufacturers. A business doing $1M a month in revenue is reviewed very differently from one doing $40,000 a month, because the payment has to fit comfortably inside real cash flow.
For revenue-based sizing at these levels, see the guides on funding at $250K monthly revenue and funding at $1M monthly revenue.
$1M and $5M requests: what changes
- More documents. Expect financial statements, tax returns and sometimes an accounts receivable or debt schedule on top of bank statements.
- Closer review of existing debt. A funder wants to see that the new payment fits after every current obligation is paid.
- Product choice matters more. A $3,000,000 need may be split between a working capital product and equipment financing rather than one advance.
- Timing. A clean, complete file still moves faster than an incomplete one. Gaps add days.
Illustrative example: sizing a $500,000 request
| Item | Figure |
|---|---|
| Assumed average monthly revenue | $600,000 |
| MCA guideline range (0.5x to 1.5x) | $300,000 to $900,000 |
| Requested amount | $500,000 |
| Assumed factor rate | 1.30 |
| Total payback ($500,000 x 1.30) | $650,000 |
| Assumed term | 52 weekly payments |
| Weekly payment ($650,000 / 52) | $12,500 |
| Monthly equivalent ($12,500 x 52 / 12) | About $54,167, roughly 9% of revenue |
These figures are illustrations, not offers. Real pricing, amounts and terms depend on the full file review.
Funding brings customers. Is your website ready for them?
Funding usually pays for growth: more stock, staff, equipment or marketing. Make sure the customers that growth brings find a website that explains what you do and makes it easy to call, book or buy. Cheap Cheap Websites builds professional sites from $399, with Website Care at $30/month.
Large equipment inside a big request
Heavy machinery, fleet vehicles, imaging systems and production lines are often better financed on their own. Equipment financing uses the vendor quote or invoice, may ask for a down payment, and at MFE terms are matched to the equipment's useful life and never run longer than 60 months. Keeping equipment separate can lower the pressure on your working capital payment.
Common mistakes on big requests
- Asking for the maximum instead of the amount the plan needs.
- Leaving out an operating account, which makes revenue look smaller than it is.
- Hiding an existing advance. It shows up on statements and slows everything down.
- Comparing offers by weekly payment instead of total payback.
- Sending last year's tax return without current-year numbers to match.
How Merchant Fund Express handles this
Merchant Fund Express reviews requests from $5,000 up to $5,000,000, so a large file is a normal file there, not an exception. The how much can I borrow page at Merchant Fund Express explains the sizing logic. Start with bank statements, ID, a voided check and the short application, and expect a request for financials or tax returns on larger amounts. When you are ready, apply with Merchant Fund Express. Service is available in English and Spanish.
Related
Cheap Cheap Websites builds websites. It does not lend or make funding decisions. Funding is offered by our funding partner, Merchant Fund Express, and every request is subject to its review and approval. Figures on this page are illustrations, not offers. Updated October 16, 2026.