How fast can I get funded?

Most approved businesses are funded within 24 hours of signing. The application takes about 5 minutes and uses a soft credit pull that does not affect your score.

What credit score do I need?

FICO 500+ is accepted. Approval leans on your business revenue and bank deposits, not just credit, so businesses banks reject regularly qualify.

How much can I qualify for?

Funding ranges from $25,000 to $5,000,000 based on your monthly revenue — typically one to two months of revenue.

Do you require collateral or tax returns?

No. Funding is unsecured with no collateral required, and we only need three months of business bank statements.

How much funding can a business get from Direct Fast Funding?

Businesses can access $10,000 to $5,000,000 depending on monthly revenue, time in business, and product. Working capital starts small; equipment financing and lines of credit reach the top of the range.

How fast can I get funded?

A decision comes as fast as 4 hours and money is wired in 24 to 48 hours after approval. Same-day funding is available for qualified applicants.

What credit score do I need?

A personal FICO of 500+ is accepted. Revenue and consistent bank deposits matter more than the score; lower scores are reviewed case-by-case.

Can I qualify with bad credit?

Yes. Approvals are based on business cash flow and deposit history, so a 500+ FICO with steady revenue can qualify even after a bank says no.

What are the requirements to qualify?

500+ FICO, 6+ months in business, $10,000+ per month in revenue, and a business bank account. No business plan or tax returns for most amounts — just 3 months of bank statements.

What can the funding be used for?

Payroll, inventory, equipment, marketing, expansion, covering slow seasons, and bridging cash-flow gaps.

MCA Relief & Reverse Consolidation in Milpitas, CA — Lower Your Daily Payment

If your Milpitas, CA business has one or more active merchant cash advances and the daily or weekly debits are straining cash flow, reverse consolidation can help by lowering the total amount debited from your account each day. Important: this is a cash-flow relief structure — it does not pay off, buy out, or combine your advances into a single new loan. Your existing advances remain in place; the goal is simply to ease the daily pressure.

How reverse consolidation gives Milpitas, CA businesses relief

A new facility is structured so that less money net leaves your account each day, leaving more working cash in the business while you keep operating. Your current advances continue as agreed — reverse consolidation works alongside them to reduce the daily strain, not to eliminate the balances.

See if you qualify →

Who reverse consolidation is for

You have one or more active advances (often stacked) in Milpitas, CA.
The daily or weekly payments are too high for your current cash flow.
Your business is still generating revenue and depositing regularly.
You need daily-payment relief, not a new loan to buy inventory or equipment.

What reverse consolidation is NOT

It is not paying off or settling your advances.
It is not a buyout of your existing balances.
It is not a single consolidation loan that replaces them.
It is a relief structure that lowers your daily/weekly payment to protect cash flow.

How it works in Milpitas, CA

Apply online in minutes, connect 3 months of business bank statements, and our team structures relief to lower your daily debit. Decisions are typically fast, and relief can be put in place quickly so Milpitas, CA owners feel the cash-flow difference right away.

Common questions

Does this pay off my advances? No. Reverse consolidation lowers your daily or weekly payment for relief; your advances stay in place. It is not a payoff, buyout, or settlement.

Will it help my cash flow? That is the entire point — it reduces the net amount debited each day so more cash stays in your Milpitas, CA business.

What do I need to qualify? Active revenue and consistent deposits matter most; 500+ FICO is accepted. We underwrite on cash flow.

Get daily-payment relief in Milpitas, CA today

Lower your daily advance payment and protect your cash flow. Apply in minutes.Apply Now ⚡