Funding situations

Business funding situations: find the page that matches your file.

Every file has a shape. Find yours below: credit, bank activity, time in business, ownership, what you already owe, or the paperwork you have.

See What I Qualify For Call (305) 384-8391

✓ Checking what you qualify for does not affect your credit score.

Credit score and history

Below 500 Credit — What a score under 500 means for business funding: the published minimum, what can still be reviewed and the steps that move a file into range.

Funding with a 500 credit score —

Funding with a 550 credit score —

Funding with a 600 credit score —

650 Credit — What a 650 FICO opens: the line of credit and term loan tier, what else is read and how to confirm the rest of the file.

700 Credit — What a 700 FICO adds on top of the tier-one threshold, what still decides the file and how to use a strong score.

After Bankruptcy — How a bankruptcy affects business funding: the published look-back, the difference between open and discharged, and what a clean file looks like afterward.

Tax Liens — How a tax lien affects business funding, what a payment plan changes and what to have ready if you owe back taxes.

Collections — How collections on a personal credit report affect business funding, which ones matter most and how to reduce their weight.

Many Inquiries — How a cluster of recent credit inquiries is read, why shopping for funding can look like desperation and how to apply without piling them up.

No Credit History — How a file with thin or no personal credit history is read, what the minimum score means and what builds a record quickly.

High Utilization — How high card utilization pulls a score down, how quickly it recovers and what to do before applying.

High Revenue Bad Credit — How strong revenue can offset a low score, where it stops helping and what the account has to show.

Your bank account

Low Average Balance — How a low average daily balance is read, the published balance lines, what raises it and how to size a request to fit.

Funding with negative balance days —

Funding with two NSFs last month —

Overdrafts — How overdrafts and negative days are read, the published limits and how to clean up the account before applying.

Declining Revenue — How a downward revenue trend is read, how to present it honestly and what products fit a slowing file.

Funding with seasonal revenue —

Uneven Deposits — How irregular deposits are read, why steadiness matters and how to show consistency when revenue arrives in large chunks.

Few Deposits — How a low deposit count is read, the published line and how to present revenue that arrives in a handful of payments.

Low Revenue — What the published revenue lines are, how smaller revenue files are sized and what products fit.

Cash Deposits — How cash deposits are read, why consistency and documentation matter and how cash-heavy businesses present revenue.

Card Processor Deposits — How card processor deposits are read, why they are the easiest revenue to verify and what to watch with split funding.

ACH and Check Deposits — How a business paid by ACH, check and wire is read, what to show and why fixed-ACH collection often fits.

One-Time Deposits — How a one-off large deposit is treated, how to document it and why it should not inflate or sink your file.

Mixed Account — Why commingled accounts complicate review, what to do about it and how to present a clean picture.

Multiple Accounts — How a funder reads revenue spread across several accounts, which statements to send and how to avoid undercounting.

Funding with a new business bank account —

Funding with bank statements only —

Time in business

3 Months — What three months of history can and cannot do: the published six-month line, what to build in the meantime and what other paths exist.

6 Months — What six months unlocks: the revenue-based tier, what is read and how to present a young file.

Funding with one year in business —

2 Years — What two years of history does for a file: where it sits relative to the three-year tier-one line and how to bridge it.

5+ Years — What an established file looks like, which products it opens and how to make the most of it.

Entity and ownership

LLC — How an LLC is read: ownership, the 50% rule, personal guarantees and what to have ready.

S Corp — How an S corp is read, what to show and how pass-through income interacts with the bank account.

Partnership — How a partnership is read: who is a guarantor, how ownership is split and what to provide.

Sole proprietorship to LLC —

Independent Contractors — How an independent contractor or gig-based business is read: revenue from platforms, 1099 income and what to show.

Home-Based — How a home-based business is read, what to show and what the published sheets say about location.

Franchise — How a franchise is read: the franchisee entity, royalty debits, franchisor requirements and what to show.

Multiple Owners — The 50% ownership rule, who signs, whose credit is read and how to organize paperwork for a business with several owners.

New Owner — How a recent change of ownership is read, why the date matters and what to provide.

Non-Profits — Why non-profits are outside the published tiers, what the rule says and what to consider instead.

Debts, advances and liens

Funding with an existing advance —

Funding with two open advances —

Three Advances — What three open advances do to a file, why they exceed the published position limit and the paths back: payoff, buyout or consolidation.

Defaulted Advance — How a prior default is read, what the published tiers say and what resolution looks like.

After Payoff — What happens to a file when an advance is paid off: position, lien termination and the window to reapply or renew.

SBA Loan — How an existing SBA loan is read: the payment as a debit, lien position and what a second source of funding can and cannot do.

Term Loan — How an existing term loan is read, what the payment does to capacity and what products can sit alongside it.

Open Line of Credit — How an open line is read, why stacking another facility behind a line is restricted and how to add capacity the right way.

Equipment Lease — How an equipment lease or loan payment is read, what the lien covers and how it fits next to other funding.

IRS Payment Plan — How an installment agreement is read, why on-time payments help and what to document.

UCC Lien on File — What an existing UCC filing means for a new application, which kinds matter and how they are cleared or subordinated.

Personal Guarantee — What personal guarantees look like across lines of credit, term loans and advances, and how to read them.

Paperwork and special rules

Funding without tax returns —

No Business Plan — Why a business plan is not part of the application for revenue-based funding and what to have instead.

Screenshots — Why screenshots are not statements, what a PDF has that they do not and how to get the right file fast.

Month-to-Date — Why current-month activity matters late in the month, how to provide it and what it adds to a file.

Trucking — The published industry-specific rules for trucking on the revenue-based tier and how to read them.

Construction — The published industry-specific rules for construction on the revenue-based tier and how to read them.

California and New York — What extra rules apply in California and New York on the revenue-based tier, why they exist and what it means for your file.

Not sure where you fit?

Run the qualification checker, which does not touch your credit, or read the full requirements sheet. The same file can read differently against the two published tiers, and one miss on tier one is a different product, not a decline.

Common questions

What if my situation is not listed?

Call or apply. A file is read on its numbers, and we can tell you quickly how yours reads. Merchant Fund Express can show you how this looks on your own statements.

Do these pages guarantee anything?

No. They explain how a file is read and what moves it. Offers depend on the funder reviewing your file.

Where are the exact numbers?

On the funding requirements page. Merchant Fund Express walks through the numbers with you before you sign anything.

How do I improve a file?

Start with the bank account: steady deposits, healthy balances and few negative days move a file the most.