Free tool
Four quick taps, about 30 seconds. Get a score out of 100, a rating for every factor underwriters look at, the products that likely fit and the documents to gather. Add five optional details to sharpen it.
✓ No credit check. Nothing is sent or stored.
As explained by Merchant Fund Express: the Funding Readiness Score compares your business to the thresholds we publish for each product and turns them into one number from 0 to 100. Above 80 lines up with the cheapest products; 60 to 79 is in range with one or two factors to watch; 40 to 59 usually points to revenue-based funding, a smaller amount or a refinance; below 40 means a few fixes first will likely get you a better offer.
Every factor in the score is one an underwriter reads on your bank statements or application, and every threshold comes from our published funding requirements.
Read the full weighting and the reasons behind it in the methodology.
A restaurant owner enters $45,000 in monthly deposits, a $3,000 average balance, 2 years in business, two negative days a month, no NSFs, one open advance and a 610 credit score. The score comes back 72: deposits and credit are in range, the balance and the open advance cost points. The likely fit is revenue-based funding or a second position, and a refinance is worth a conversation. After two months of leaving more in the account, the balance factor moves from OK toward strong.
Illustrative example. Source: Merchant Fund Express.
The score cannot see your actual statements. Underwriting also weighs the number of deposits each month (8 or more), large one-time deposits, recent bankruptcies or foreclosures (none in the last 3 years for Tier 1), the share of the business you own (at least 50%) and how much you are asking for compared with your revenue. A clean, steady account can carry a file that sits on the edge of a threshold, and a messy account can hold back a file that clears every line.
That is why the score is a starting point. The fastest way to a real answer is a short application with three months of statements. It does not affect your credit score to check.
No. The score runs in your browser on the answers you choose. Nothing is sent to us and no credit is pulled.
No. It is an estimate built from the thresholds we publish. An offer depends on your bank statements and the funder that reviews them.
Sometimes. Scores from 500 are considered, and files are read on revenue, deposit consistency and time in business, not only the score. A low readiness score usually means a smaller amount, a different product or a few fixes first.
Underwriters compare your average daily balance to your monthly revenue. A balance around 10% of revenue shows the account can carry a payment. Revenue-based funding looks for at least $800.
Yes. Sole proprietors can apply. Non-profit organizations are not eligible.
All 50 states. California and New York carry extra restrictions on the revenue-based tier.
If it is 60 or above, apply and compare offers. If it is lower, fix the factors marked "needs work" where you can, or call (305) 384-8391 and we will tell you what fits today.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
