Approval by deposits, not by FICO

Access business funding within 24 hours, not a "no" in three weeks.

Funding solutions tailored for established ventures, not startups — up to $500,000 based on your deposits, not your credit alone.

$10K+/mo deposits to qualify Approval on deposits, not just credit Up to $500,000 Business checking account required

See what you qualify for

Takes under two minutes. A real person follows up.

A member of our team contacts you — no obligation.

Today, technology lets you skip banks with absurd funding requirements and slow turnaround.

Every business runs into a challenge that can be safely overcome with a little help. Imagine having $5,000 to $500,000 in your business bank account tomorrow.

Get Started
The Modern Way To Borrow

Three steps between you and your money.

We meet the modern entrepreneur's demands — funding quickly and hassle-free.

1

Apply online

Fill out a simple form — no dozens of documents, no waiting rooms.

2 minutes
2

Get approved for your funding

A real human reviews your deposits and gives you a real answer.

Within 24 hours
3

Sign the contract and get your money

Approve the terms and watch the funds land in your account.

Same day

Why pick Monarch Funding?

Bad credit? Don't be embarrassed.

We focus on variables beyond your FICO score. Our high approval rates mean we say YES when other funders say NO.

No time to beg banks?

Today's marketplace is fast-paced. Skip days of paperwork and dozens of forms — your business still needs money to survive the cycle and seize expansion.

What owners use it for

Real money for real operations — the kind of moves that keep a business moving.

Covering payroll

Cash-flow to sail through rough times

Renovating or expanding your locations

Covering expensive one-off costs

Buying or upgrading equipment or software

Growing your business

Your company deserves a custom fit.

Our affordable business funding helps your company cover sudden needs or ignite lucrative expansion.

Get Started
$500,000
Funding from $5,000 up to $500,000
5–500
Whether you have 5 employees or 500
24 hrs
Approved within 24 hours
Testimonials

Stories of success from our clients

"I worked closely with our rep to secure a funding package that matched our deposits, not our credit score. We had cash in the account the next day and covered payroll without missing a beat."

DS
David Scott
Owner, family logistics company

"Banks kept us waiting weeks for an answer we already knew was coming. Here we applied on a Tuesday and had funds by Wednesday afternoon — enough to renovate our second location on schedule."

MR
Maria Reyes
Co-owner, restaurant group

"Our credit wasn't great after a rough year, but our deposits told a different story. They looked past the FICO number and got us $85,000 to buy new equipment and take on bigger jobs."

JT
James Turner
Founder, construction contractor
Questions

What owners ask before applying

Will applying hurt my credit?

No. Checking what you qualify for is a soft look at your business — there's no hard credit pull to apply, and no obligation to accept an offer.

Do I need a minimum credit score?

There's no minimum credit score. What matters is your business bank account — you'll need to generate at least $10,000 in average monthly deposits.

What funding programs are available?

We offer a range of programs to fit how you operate, from lines of credit to term loans and short-term working capital.

How fast will I hear back?

You'll get a real answer within 24 hours of applying, not weeks of silence.

Is my information secure?

Yes. Everything you submit is handled securely, and only used to evaluate your funding request.

What can I use the funding for?

Whatever your business needs — payroll, equipment, expansion, or bridging a rough stretch. It's your call.

Give your company the edge it needs right now.

Don't wait for priceless opportunities to pass or competitors to expand into your market. Get started by filling out the short form — a member of our team will contact you and build a custom-fit plan for your company today.

See What You Qualify For
Business checking account required $10K+/mo deposits No obligation