Business Funding in Merced, CA
$10K to $5M for Merced small businesses — funded in as little as 24 hours, approved on your deposits, not your credit score.
Check Your Rate — No Credit ImpactSee how much your business qualifies for
$10K to $5M in business funding — approved on your revenue, funded as fast as 24 hours. All credit 500+. No collateral for working capital.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $10K+/mo revenue
Apply Now — Get Funded in 24 Hours
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
From the shops and offices around Downtown Merced and the UC Merced corridor to the dairies, packing houses, and food processors that feed the San Joaquin Valley economy, Merced runs on small businesses that need capital to move fast. Agriculture, food processing, manufacturing, and distribution set the pace here — and none of them wait around for a slow bank. Whether you supply Castle Commerce Center logistics tenants, run a service company off G Street, or work seasonal ag cycles, we get you working capital quickly, based on your revenue rather than your credit score.
How It Works
- Apply in minutes. Short online form, no collateral required for working capital, and only a soft credit pull to check — it won't ding your score.
- Send 3 months of business bank statements. We approve on your DEPOSITS, so real revenue matters more than your FICO. 500+ is fine.
- Get funded fast. Once you're approved and sign, funds can hit your account in as little as 24 hours.
Approved on Deposits
We look at your bank statements and cash flow, not just your credit. Steady Merced revenue is what gets you approved.
$10K to $5M
From a $10,000 minimum up to $5M — right-sized for a single truck, a new crew, or a full expansion.
Fast, Local-Minded
Built for the Central Valley pace: quick answers, honest terms, and funding when you actually need it.
What Merced Owners Use It For
- Buying inventory, feed, or materials ahead of a busy season
- Making payroll and hiring for ag, harvest, or processing peaks
- Repairing or adding equipment, trucks, and trailers
- Covering the gap while you wait on invoices from bigger buyers
- Opening a second location or taking on a larger contract
Who Qualifies
Most Merced businesses with at least a few months of operating history and steady bank deposits can qualify. FICO 500+ is fine, no collateral is needed for working capital, and every industry is welcome — retail, trucking, restaurants, construction, dairy, ag services, healthcare, and more. A typical example: borrow $30,000 and repay a fixed, agreed amount over the term, with clear numbers up front and no surprises.
Ready When You Are
Apply before early afternoon ET on a weekday with your statements ready and signed, and same-day funding is possible; apply Friday and you're likely looking at Monday. Straightforward, honest, and fast — apply now and get an answer today.
Ready to Fund Your Business?
Join 1,000+ businesses that trusted Quick Biz Capital. Apply now and get a decision within hours.