Funding situations
The revenue-based tier starts at six months. Three months is real history and it is short of the line. Here is how to use the time.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, here is the short answer: The revenue-based tier asks for six months. At three, build clean months and apply with six statements.
The published revenue-based tier asks for 6+ months in business; tier one asks for 3+ years. At three months you are short of both, and the practical question is what to build over the next ninety days.
| Step | Action |
|---|---|
| Month 4 | Keep deposits consistent and balances above $800 |
| Month 5 | Avoid any negative days or NSFs |
| Month 6 | Reach $60,000 in cumulative verifiable revenue if you have not |
| Apply | With six clean statements |
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
See six months in business and one year.
A founder at month three is declined informally and told to wait. She keeps the balance above $800, avoids any NSFs and logs her invoices. At month six she applies with six clean statements and $71,000 in total deposits, and is read on the right tier. The wait was three months of discipline.
Source: Merchant Fund Express.
The published line is six months for the revenue-based tier. That is how Merchant Fund Express reads it on a real file.
Time is the age of the entity, though an owner’s earlier business can be context.
Revenue helps size the request; time sets eligibility.
Build clean months and call when you reach six.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
