Pick by the product you need, the speed you need and transparency of total cost. A marketplace like Merchant Fund Express sends one application to multiple funders so you compare real offers.
Check my optionsFinancing options
There is no single best financing company for every business. The right one is the company whose product, speed and terms match your need, at a cost you can verify in writing.
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.
A human reads the file, not just an algorithm score.
A person reviews your revenue, time in business and bank activity, often within hours.
Approved files are usually funded the next business day.
You can apply at 500; stronger credit opens more products.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Start by sorting companies into types. Banks and credit unions are cheapest but slowest and strictest. Online lenders offer lines of credit and term loans to owners with stronger credit. Revenue-based funders and merchant cash advance companies approve on bank statements, often the same day. Marketplaces send one application to several of these at once.
Within each type, check four things: what credit and time in business they require, how fast they really fund, how payments work (daily, weekly or monthly, fixed or tied to sales), and what happens if you pay early or need to renew. Ask for the total payback and net cash in writing so you can compare companies on the same basis.
Then check behavior, not marketing: written terms, no upfront fees, reachable support, and how the company responds to complaints in public reviews. In 2026 several states require standardized cost disclosures for commercial financing, so ask for that document wherever it applies.
Before choosing, ask each company who actually funds the deal and how the company is compensated. A direct funder uses its own capital; a marketplace or broker places your file with funders. Both can serve you well when the answer is clear and in writing.
Use this breakdown to compare companies on identical terms. Every offer should be reducible to these lines. Illustrative numbers.
| Amount funded | $25,000 |
| Factor rate | 1.28 |
| Total payback (amount × factor) | $32,000 |
| Fees deducted at funding (3%) | $750 |
| Net cash you receive | $24,250 |
| Weekly payment over 44 weeks | $727 |
| Same total as daily debits (~220 business days) | $145/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Bank or credit union | Lowest cost, slowest, strict criteria |
| Online lender | Lines and term loans, stronger credit |
| Revenue-based funder | Fast, reads deposits, credit from 500 |
| Factoring company | Turns invoices into cash |
| Marketplace | One application, multiple offers |
Good fit:
Probably not yet:
Banks and credit unions usually, followed by online lenders for strong-credit borrowers. Faster, more flexible options cost more.
Reduce each offer to net cash, total payback, payment amount and frequency, and early-payoff terms.
They help, especially recent reviews and how the company responds to complaints. Combine them with written terms.
It should not add hidden fees; ask how compensation works. The benefit is seeing competing offers from one application.
Choosing on speed alone without reading renewal, default and payment-adjustment terms.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding