Merchant Fund Express
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Business funding answers library

Plain answers to the questions owners ask about merchant cash advances, credit, requirements, costs, cash flow and growth, with worked examples and calculators.

Check my options

Library

Compare the main options

Each product fits a different job. Match the product to the need before comparing prices.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Why owners use Merchant Fund Express

Same-day decisions

A real review of your revenue, time in business and bank activity, often within hours.

Multiple funders, one application

We match your file with funders who fit it, so you can compare offers.

500 credit minimum

Better credit opens better offers, but deposits matter most.

Next-day funding

Approved files are typically funded the next business day.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

The short answer

Plain answers to the questions owners ask about merchant cash advances, credit, requirements, costs, cash flow and growth, with worked examples and calculators.

Compare the main options

Each product fits a different job. Match the product to the need before comparing prices.

Worked example (illustrative)

Amount funded$75,000
Factor rate1.20
Total payback (amount × factor)$90,000
Fees deducted at funding (3%)$2,250
Net cash you receive$72,750
Weekly payment over 52 weeks$1,731
Same total as daily debits (~260 business days)$346/day

Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.

Best-of guides and alternatives

Merchant cash advances

Costs, offers and contracts

Requirements and applying

Credit and collateral

Fast funding

Cash flow and working capital

Growth and expansion

Trucking and logistics

Construction

Restaurants

Retail

By location

Owner communities

Financing options and comparisons

Financial management

Starting a business

Running the business

Frequently Asked Questions

Business funding answers library

Plain answers to the questions owners ask about merchant cash advances, credit, requirements, costs, cash flow and growth, with worked examples and calculators.

Will applying hurt my credit score?

Applying starts with a soft pull, which does not affect your score. Any harder review happens later, with your consent.

How much can I qualify for?

Offers are usually sized around one month of business revenue, adjusted for balances, existing payments and time in business.

Do you work with sole proprietors?

Yes. Sole proprietors, LLCs and corporations can all apply when revenue runs through a business bank account.

Payroll $25K
Inventory $60K
Equipment $90K
Expansion $150K

Example uses for illustration only.

How to improve your chances

Funders weigh your recent bank activity most. These steps strengthen almost any file:

  • Keep the account positive: avoid negative days and NSFs
  • Deposit all business revenue into one business account
  • List every existing advance and its payment up front
  • Request an amount your monthly deposits can support

Merchant Fund Express vs. a traditional bank

Merchant Fund Express
Traditional bank loans
Decision time
Same day
Weeks
Credit to apply
500 minimum
Usually much stronger credit
Collateral
Not required for most offers
Often required
Documents
Bank statements and ID
Tax returns, financials, plans
Offers
Multiple funders, compare
One lender

See what your business qualifies for

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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