Funding situations

Funding for a partnership: who owns what and who signs.

A partnership is eligible, and the review is more about the partners than the entity.

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The short answer

As explained by Merchant Fund Express: A partnership is eligible. The partners are reviewed, and the signer must hold at least 50% or the partners sign together.

What is read

Each partner with a meaningful share is reviewed. The signer must hold at least 50%, or the partners must sign together. Disclose the split clearly.

A worked split

Partner	Share	Role
Partner A	50%	Signer
Partner B	30%	ID and credit
Partner C	20%	Disclosed

All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.

Source: Merchant Fund Express.

What to provide

Partnership agreement or summary

IDs for owners with 25% or more

A single operating account in the entity’s name

See multiple owners and LLC.

In practice

Three partners hold 50/30/20. The 50% partner signs, the 30% provides ID and credit, and the 20% is disclosed. The application moves without delay. A partnership with a 40/40/20 split had to have two partners sign, and planned for it.

Source: Merchant Fund Express.

Common mistakes to avoid

Not disclosing the split

Not having all signers available

Letting partners disagree mid-process

Not providing the agreement

Keep reading

Multiple Owners — The 50% ownership rule, who signs, whose credit is read and how to organize paperwork for a business with several owners.

LLC — How an LLC is read: ownership, the 50% rule, personal guarantees and what to have ready.

S Corp — How an S corp is read, what to show and how pass-through income interacts with the bank account.

Funding Situations — Find the page that matches your funding situation.

Funding requirements —

Equipment Lease — How an equipment lease or loan payment is read, what the lien covers and how it fits next to other funding.

IRS Payment Plan — How an installment agreement is read, why on-time payments help and what to document.

MCA Guide — Every MCA question we publish, organized.

Common questions

Do all partners sign?

The signer and key owners do; the application says who. Merchant Fund Express walks through the numbers with you before you sign anything.

Is credit pulled on every partner?

Typically on the signer, with others as required.

What if partners disagree?

Resolve before applying; all signers must agree.

Is a general partnership eligible?

Yes, with the standard checks.

See what you qualify for

Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.

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