Guide
A new business has no history, and underwriters know it. A little preparation makes approval smoother.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
A new business has no history, and underwriters know it. A little preparation makes approval smoother.
Processors look at what you sell, how you sell it, expected volume and ticket size and your owners' backgrounds. With no history, the details you provide carry more weight.
Have a clear description of your business, a realistic estimate of monthly sales and your documents ready.
What you sell and how.
Realistic monthly card sales and average ticket.
ID, business registration and bank details.
Match the application to reality.
A new boutique submits a clear description, a realistic estimate and its registration. Approval comes quickly and a small starting limit rises after a few weeks of steady sales.
Owners often learn this the hard way, through a surprising line on a statement or a call from a bank. Reading it now, before it matters, costs a few minutes and tends to make the next conversation with a processor shorter and more specific.
On a monthly statement this usually appears as a line or two inside a longer table, which is why it is easy to read past. When you review a statement, mark the lines you cannot explain and ask about those first.
Payments vocabulary is built to sound harder than it is. Once you know which layer a term belongs to, a statement stops being a wall of numbers and starts being a list of choices you can ask about. Keep this page handy the next time a rate sheet or a notice arrives.
Call (305) 384-8391 and tell us how you sell. We will explain the options in plain English, give you a personal quote and review your current statement for free. There is no price list to compare against, because the right setup depends on your business.
New businesses often worry that approval is a verdict on their future. It is closer to a snapshot of risk: what you sell, how and to whom. A realistic estimate, a plain description and documents that match are the whole application. Starting limits that rise after a few steady weeks are normal, and a good provider will explain them up front so the first big week is not a surprise.
As explained by Merchant Fund Express. Updated 2026.
Yes. Approval depends on the details and risk profile.
Often a few days once documents are complete.
New accounts may start with volume limits that grow.
Yes, we walk you through it.
Yes. English and Spanish support are available by phone, on site and during staff training, so the person who opens on Monday can learn it in the language they work in.
Sometimes. We review what you have and tell you what can be reused, what is worth replacing and what you should check in your contract before deciding.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
