Funding situations
Contractors and gig workers earn real revenue with irregular documents. The bank account tells the story.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, here is the short answer: Sole proprietors are eligible. Deposits from platforms and clients count when they reach a business account and are consistent.
Sole proprietors are eligible. Deposits from platforms, clients and payment apps are read as revenue when they are consistent and tied to the business account. Mixed personal and business use is the usual problem.
| Source | Support |
|---|---|
| Platform payouts | Statements or a dashboard showing regular payouts |
| Client payments | Invoices that match deposits |
| 1099s | Optional support for annual income |
See sole proprietorship to LLC and mixed accounts.
A designer bills clients through two platforms and a direct account. She routes all three to one business account for six months and keeps a simple monthly income summary. The file reads at $18,000 a month in documented revenue. The same income through her personal account would have been much harder to prove. If you can, keep a simple one-page summary of income by month and source; it takes ten minutes and answers most of the questions a reviewer would otherwise ask.
Source: Merchant Fund Express.
Sole proprietors can apply. That is how Merchant Fund Express reads it on a real file.
Deposits that reach your account count.
Six months or more of history is the revenue-based line.
It is strongly recommended.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
