Funding for your situation
How owners with a short U.S. credit history can present their business and which documents help.
✓ Checking what you qualify for does not affect your credit score.
Many successful businesses are founded by owners who arrived recently and have a short U.S. credit history. Private funding leans on the business's deposits, which can tell a stronger story than a thin credit file. Clean, consistent business banking is the most useful thing an owner can build.
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 personal, with regular deposits.
Read in context with deposits.
Registration, license and an EIN.
A government ID and basic business paperwork.
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.
Often, depending on deposits. The minimum FICO is 500. See credit score requirements.
Eligibility depends on the file and the funder. Tell us your situation and we will say what is needed.
Three months of clean business statements and consistent business information.
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.
