Funding for your situation
What veteran owners should know about private business funding and how it sits beside other programs.
✓ Checking what you qualify for does not affect your credit score.
Veteran owners often have strong discipline and sometimes thin credit history from years in service. Private funding reads the business, not the service record. Veteran-specific programs exist and are separate. They are worth exploring beside, not instead of, deposit-based funding.
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 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.
The center of any review.
Read like any other applicant.
Separate from private funding and worth exploring.
Moving from service income to business income.
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.
We do not offer no-repayment programs or special-status products. Funding is based on your business file. Veteran programs from other organizations may be worth exploring.
The review is built on business deposits and credit. Service itself is not a factor.
The same products as any owner: working capital, lines of credit and equipment financing.
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.
