Merchant Runway
Process

How Merchant Runway works.

A different kind of business funding company. Here's the full picture, start to finish.

Our approach

We're not a bank, and we're not trying to be one. Banks are built for businesses that don't really need the money — three years of tax returns, perfect credit, collateral, six weeks of paperwork.

We're built for the other 90% of Main Street. The restaurant that needs to fix the walk-in cooler this week. The contractor who just landed a contract and needs to staff up. The salon owner expanding to a second chair. The businesses where speed, flexibility, and a human who actually listens matter more than the lowest possible rate.

The process

  1. 1

    You apply (5 minutes)

    Fill out our one-page application. Connect your business bank account or upload your last 3 months of statements. That's the whole intake.

  2. 2

    We review (a few hours)

    Our team — not a black-box algorithm — reviews your application. We're looking at your cash flow, your industry, your time in business, and the basics of your credit profile. Most applicants get a response same-day.

  3. 3

    You see your options (same day)

    We come back with the products and terms you qualify for. Not just one offer — usually several. Your funding specialist walks you through each one.

  4. 4

    You choose, we fund (24–48 hours)

    Pick the option that works. Sign electronically. Money lands in your business account, usually within 48 hours.

  5. 5

    You repay from cash flow

    Repayment is typically a small daily or weekly draft from your business account, sized to your revenue. Pay it off early without penalty on most products.

What we look at

Cash flow

Your last 3 months of bank statements tell us more than a credit report ever could.

Time in business

We work with businesses 6+ months old. The longer, the better the terms.

Industry

Some industries get better rates than others. We'll be honest about where you sit.

What we don't require

  • Two years of tax returns
  • Perfect credit
  • Collateral or personal guarantees on most products
  • A pitch deck
  • Weeks of waiting
Just your last 3 months of bank statements and a 5-minute form.

Ready to extend your runway?

Find out what you qualify for in under 5 minutes. No commitment, no hard credit check, no hassle.

Start My Application Or call (469) 210-0051 · Mon–Fri 9am–7pm ET
BBB Accredited
SSL Encrypted Application
We Don't Sell Your Data
Soft Credit Pull Only
Funded over $X to Y+ businesses
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