Documents
What to gather, in what form, for the request you are actually making. A complete pack is what starts the same-day decision clock.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your business's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
For a typical first review, Merchant Fund Express needs about 3 months of business bank statements as PDFs from the bank, the entity details and a short list of current payments. Equipment and remodel requests add a quote or bid, multi-unit owners add statements for each entity, and requests above $250,000 usually add full financials.
Thresholds that sit behind these papers are on the requirements page. This page is the practical pack.
| Situation | What to send | Often helpful |
|---|---|---|
| Single unit, working capital | 3 months of statements, entity, owner ID | Processor statements if card sales settle elsewhere |
| Multi-unit, one entity | Statements for the shared account | A list of units on that account |
| Multi-unit, entity per store | Statements for each entity | An ownership chart linking the entities |
| Equipment purchase | Core pack plus a vendor quote | Make, model and expected useful life |
| Remodel or refresh | Core pack plus a contractor bid | Scope of work and timeline |
| Request above $250,000 | Core pack plus full financials | Interim profit and loss, balance sheet |
A single-unit owner usually needs the core pack and nothing else. Download statements straight from online banking so the PDF keeps its text layer. If card sales settle into a different account, add processor statements so the reviewer sees full revenue. Keep the file names plain (account, month) so a reviewer can find each one quickly, and include every page of each statement, even the blank ones. Note on the application which deposits are not sales (owner transfers, refunds, a loan), because not every deposit counts as revenue.
Merchant Fund Express reviews multi-unit files entity by entity and counts the obligations of the whole group. The multi-unit guide explains the structure choices.
It can be requested, so keep a PDF ready. It confirms that the entity on the statements is the franchisee for that unit, and it shows whether royalties are a percentage or a flat amount. Royalty and ad fund debits are read as recurring obligations either way. Do not send personal tax returns unless asked; a typical first review does not need them. If the agreement was assigned to you in a transfer, include the assignment page too, so the reviewer can see when your entity took over the unit and which months of deposits belong to it.
Each of these restarts the complete-file clock. Merchant Fund Express decides the same day on a complete file, and funding often follows the next business day.
About three months of business bank statements for the account the unit deposits into. Multi-unit owners send the same three months for each entity.
Not for a typical first review. Full financials are usually requested only above $250,000.
Send PDF statements downloaded from the bank. Screenshots and spreadsheets slow the review because they cannot be read the same way.
Send statements for each LLC and a short ownership chart. Each entity is read on its own deposits, and the group's obligations are counted.
A dated vendor quote, the item's useful life and a note on whether it replaces existing equipment. The core statements are still needed.
Yes. ITIN applicants are accepted, and Spanish-speaking support is available while you gather the pack.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
