Funding for your situation
What first-time owners should do before they apply, what is read and how to avoid early mistakes.
✓ Checking what you qualify for does not affect your credit score.
First-time owners tend to underestimate how much a clean file matters. A business account, steady deposits and clear records change what is possible. The best first step is to build three months of clean statements and to ask for an amount that fits them.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
| Item | Value |
|---|---|
| Months of clean business statements | 3 |
| Minimum FICO considered | 500 |
| Typical documents | 3 |
| Application time in minutes | 5 |
These are the basics a funder looks at first. Everything else on the file builds from them.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Business income in a business account.
Three months at minimum.
Matched to deposits.
Name, EIN, license and insurance.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Here is what happens after you apply with Merchant Fund Express: the application is reviewed against the factors on this page, you get a same-day decision on a complete file, and funding is typically the next business day after signing. If something is missing, we say exactly what.
Once there are at least a few months of deposits. See time in business.
The minimum FICO is 500, and better credit means better offers.
Sometimes. Building a track record can make the same request easier and cheaper.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
