Funding for your situation
How women owners can approach private business funding and where other programs fit.
✓ Checking what you qualify for does not affect your credit score.
Private funding reads the business on its deposits, credit and obligations. The review does not turn on who owns it. Programs for women-owned businesses exist and are separate. They can complement, not replace, deposit-based funding when you need to move quickly.
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.
The center of the review.
Read the same way for every owner.
Separate, and can open contracts and set-asides.
A request that matches the deposits.
| 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.
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.
No, we do not offer no-repayment programs. Funding is based on your business file. Other organizations run programs worth exploring.
No. The review is built on deposits, credit and obligations.
Working capital, lines of credit and equipment financing are common.
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.
