Trusted by 10,000+ U.S. businesses

Capital that movesas fast as you do.

Commonwealth Merchant Group delivers working capital from $10,000 to $5,000,000 — approved in 24 hours, funded the next day. No collateral, no red tape.

Soft credit pull
No collateral
No application fee
Quick estimate
How much do you need?
Time in business6+ months
Monthly revenue$15K+
Credit checkSoft pull
Start application
$5M
Maximum funding
24 hrs
Typical approval
10K+
Businesses funded
550+
Minimum FICO
Why Commonwealth

A funding partner built around your business.

We combine the speed of fintech with the relationship of a trusted advisor — underwriting on cash flow, not just credit.

Funded in 24 hours

Apply in minutes. Get a decision the same day and capital in your account the next business day.

$10K – $5M in capital

Flexible advances sized to your monthly revenue — not a one-size product.

Soft credit pull

Checking your offer won't impact your credit score. No obligation, no hidden fees.

Built for growth

Use funds for payroll, equipment, inventory, marketing or expansion — your call.

Three simple steps

From application to funded in 24 hours.

No mountains of paperwork. No drawn-out underwriting. Just capital, when your business needs it.

Step 1
Apply online

Complete a 2-minute application with basic business details.

Step 2
Talk to a specialist

A funding advisor reviews your file and matches you with the best offer.

Step 3
Get funded

Sign your agreement and receive capital in your bank account — often within 24 hours.

Industries we serve

Specialized funding for Main Street America.

From single-location operators to multi-unit groups, we've structured advances across nearly every industry.

Restaurants
Retail
Auto & Repair
Trucking
Medical
Construction
Professional Services
Salons & Spas
What clients say

Real businesses. Real results.

"Funded in under 24 hours. The process was the easiest I've seen in 12 years of running my shop."
Marcus T.
Auto Repair, Houston
"Commonwealth structured a $750K advance that fit our cash flow perfectly. We opened two new locations."
Priya S.
Restaurant Group, NJ
"Other lenders said no. Commonwealth got us $250K to cover a contract we couldn't have taken otherwise."
Derrick W.
Logistics, Atlanta

Ready to grow?

Tell us about your business — we'll come back within a few hours with a no-obligation funding offer.