Merchant Fund Express
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Can business funding cover technology like blockchain or payment systems?

Funding can cover software, integration and hardware for any technology project. Fund it when the payback is clear and inside the term.

Check my options

Running the business

Financing payment and technology upgrades, including blockchain

Most small businesses do not need blockchain itself, but many do need modern payment systems, inventory tracking or security upgrades. Those projects can be funded when they pay back.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Why owners use Merchant Fund Express

Real underwriters

A human reads the file, not just an algorithm score.

Buyouts up to $100K

Existing balances of $100,000 or less can be bought out.

Clear numbers

Net cash, total payback and payment shown before you sign.

Next-day funding

Approved files are usually funded the next business day.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

How it actually works

If a vendor pitches blockchain, ask what problem it solves that a standard database, payment processor or accounting tool does not. For supply-chain tracing, digital payments or crypto acceptance there may be a real case; for most local businesses, a better point-of-sale system or payment terminal delivers the gain with less risk.

Technology upgrades are fundable like any operating project. The cost is usually hardware, setup and integration up front, plus a monthly fee. Working capital can cover the upfront portion. The test is whether faster checkouts, fewer errors, lower processing fees or new payment options add enough profit to cover the funding payment within the term.

Keep speculative technology small. Accepting digital currency, for example, can be done through a processor without holding crypto on your balance sheet. Avoid funding investments whose value depends on token prices; funders and your cash flow both need predictable numbers.

If a vendor proposal includes tokens, coins or digital assets as part of the payment or return, involve your accountant before signing. Tax treatment, accounting and regulatory questions around digital assets can add cost and complexity that a simple payment upgrade would not.

A worked example

Here is a payback check for a payment-system upgrade funded with working capital. Illustrative numbers.

Funding for the project$100,000
Total payback (factor 1.35)$135,000
Term~44 weeks
Payment per week$3,068
Monthly payment the project must cover$13,285
Your estimate of added monthly profit$12,000
VerdictDoes not pay back in time — reduce the amount or rethink

Illustrative. Replace the estimate with your own numbers before applying.

Technology projects and fundability

New POS and payment terminalsFundable: clear savings and speed
Inventory tracking systemFundable: less waste
Cybersecurity upgradeFundable: avoids costly incidents
Accepting crypto via processorLow cost, often no funding needed
Holding crypto as an assetNot a fit for business funding

Who this fits — and who should wait

Good fit:

Probably not yet:

Related questions

Frequently Asked Questions

Can I use business funding to buy cryptocurrency?

Funding is meant for business operations. Using it to speculate on crypto is risky and may not be permitted under the agreement.

Is a new POS system a good use of funding?

Often, if faster checkouts, lower fees or better inventory data add measurable profit.

Do funders care what technology I buy?

They review your business deposits and obligations, not the specific purchase, but you should describe the use accurately.

How do I accept crypto without the risk?

Payment processors can accept crypto and settle in dollars, avoiding price swings on your books.

What technology pays back fastest?

Projects that cut a cost you already pay, such as processing fees, waste or manual hours.

Payroll $25K
Inventory $60K
Equipment $90K
Expansion $150K

Example uses for illustration only.

How to improve your chances

Before you apply:

  • Ask what problem the technology solves
  • Compare with simpler alternatives
  • Fund only the upfront portion
  • Avoid price-dependent assets

Merchant Fund Express vs. a traditional bank

Merchant Fund Express
Traditional bank loans
Decision time
Same day
Weeks
Credit to apply
500 minimum
Usually much stronger credit
Collateral
Not required for most offers
Often required
Documents
Bank statements and ID
Tax returns, financials, plans
Offers
Multiple funders, compare
One lender

See what your business qualifies for

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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