CapFront vs MFE
CapFront and Merchant Fund Express compared on requirements, products, published pricing and speed, checked October 15, 2026.
| CapFront | Merchant Fund Express | |
|---|---|---|
| How it works | Marketplace plus deals it funds itself | Marketplace: one application matched with multiple funders |
| Based in | New York (its sources list different offices) | Miami, Florida |
| Minimum credit | 600+ for term loans (flexible) | 500 minimum (better credit, better offers) |
| Time in business | 1+ year for term loans | 3 years for Tier 1, 6 months for revenue-based |
| Revenue | $15,000+ a month for term loans | $300,000/year or $25,000/month for Tier 1, $60,000 for revenue-based |
| Amounts | $5K to $25M across products | Line of credit $10,000 to $350,000; term loan $10,000 to $250,000 |
| Pricing published | Rates from 1% per month; rates, not APRs; fees not disclosed (per LendingTree) | Line of credit from 1% per month; term loan 0% origination; 2.49% per draw |
| Early payoff | Not published | Discounts at 30, 60 and 90 days |
| Speed | Approvals in 4 hours | Same-day decision; funding typically next business day after signing |
| Products | Term, line of credit, RBF, SBA, equipment, HELOC, 1099, real estate, e-commerce, factoring | Merchant cash advance, business line of credit, term loan, second position funding, buyouts on balances of $100,000 or less |
| States | Not published | All 50 states |
Sources: CapFront website (capfront.net), Trustpilot, LendingTree review, Finder review; checked October 15, 2026. CapFront is a trademark of its owner; Merchant Fund Express is not affiliated.
Model. CapFront describes itself as a marketplace “plus deals we fund ourselves”. Merchant Fund Express matches one application with multiple funders so you can compare offers.
Product shelf. CapFront’s is far wider: SBA to $10M, term loans to $15M over up to 25 years, real estate to $25M, HELOC to $750K, factoring and 1099 funding. Merchant Fund Express does not offer SBA loans, HELOCs or real estate loans. It offers merchant cash advances, lines of credit to $350,000, term loans to $250,000, second position funding and buyouts on balances of $100,000 or less.
Pricing disclosure. Both publish a “from 1% per month” figure. LendingTree notes CapFront advertises rates rather than APRs and does not disclose fees. Merchant Fund Express publishes its fees: no origination fee on the term loan, 2.49% per draw on the line of credit, and early payoff discounts at 30, 60 and 90 days.
Requirements. CapFront’s term loan asks for 1+ year, $15K+ a month and 600+ credit, a lower bar than our Tier 1. Our floor is 500 and our revenue-based path starts at 6 months in business.
Speed. CapFront advertises approvals in 4 hours. Merchant Fund Express publishes same-day decisions with funding typically the next business day after signing.
Illustrative scenario. A logistics company with 4 years in business wants $2M to buy a warehouse: CapFront’s real estate and SBA shelf is built for that, and we do not offer it. A cafe with a 560 score and 8 months in business needs $40,000 of working capital: that fits our 500 floor and revenue-based path better than CapFront’s published term-loan bar.
If you need more than $350,000, an SBA loan, real estate financing or a HELOC, CapFront lists those and we do not. If your score is in the 500s, you are under a year in business, you want fees in writing before you apply, or you need a buyout of an advance of $100,000 or less, a Merchant Fund Express application is the more direct route. If you qualify for both, compare written offers on APR, fees and total payback.
Good fit:
Compare first if:
Request a written CapFront quote and a Merchant Fund Express application, then line up net cash, APR, fees and total payback. Credit from 500, same-day decisions, funding typically the next business day.
No, they are separate companies with no affiliation.
Merchant Fund Express, at 500. CapFront publishes 600+ for term loans; Finder reports 560+ for its line of credit.
Merchant Fund Express publishes 0% origination on term loans and 2.49% per draw. LendingTree notes CapFront does not disclose its fees.
CapFront. Merchant Fund Express does not offer SBA, HELOC or real estate loans.
CapFront advertises approvals in 4 hours; Merchant Fund Express publishes same-day decisions and next-business-day funding after signing.
Yes, and comparing written offers on total payback is a good idea.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
