Funding for your situation
How home-based businesses are read and what makes a file strong even without a storefront.
✓ Checking what you qualify for does not affect your credit score.
A home-based business can be a one-person consultancy or a seven-figure online brand. Funding reads deposits and bank activity, not the address. The things that help: a business account, consistent deposits and a clear use of funds.
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.
| Item | Value |
|---|---|
| Months of business deposits | 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.
Separate from household accounts.
Regular revenue over three months or more.
Even small businesses benefit.
Inventory, equipment, marketing or hiring.
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.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Applying with Merchant Fund Express is a single application. We review it the same day on a complete file, explain what the numbers say in plain terms, and fund typically the next business day after signing. Nothing here affects your credit score to check.
Yes. The address does not decide it. Deposits, credit and obligations do.
No. Many owners fund inventory, equipment, marketing and hiring from home.
Typically sized to deposits. See how much can I borrow.
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.
