Funding for your situation
How funding works for a business under a year old or a newly acquired business without its own track record.
✓ Checking what you qualify for does not affect your credit score.
A new owner means a short file. Time in business, deposit history and credit are the three things funders weigh, and the first two may be thin. The honest approach is to show what exists: personal credit, any prior experience, deposits from the first months and the structure you are asking for.
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 deposits available | 3 |
| Typical starting request (illustrative) | $15,000 |
| Minimum FICO considered | 500 |
| 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.
A factor funders read directly.
Even a few months can matter.
The owner's history fills in.
A modest, well-supported request.
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.
Sometimes. See time in business for how it is read and credit score requirements.
Open a business account, run deposits through it, and keep clean statements for three months.
Often. A modest first request builds a track record.
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.
