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Glossary

Accounts Receivable

Money customers owe your business for goods or services you have already delivered.

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

What it means

As explained by Merchant Fund Express: Money customers owe your business for goods or services you have already delivered.

Receivables are an asset, but not cash. A business with large receivables and slow-paying customers can look profitable and still run short of money to pay its own bills.

Why it matters when you apply

Receivable-heavy businesses often fit invoice factoring or a line of credit, because the money is owed but not yet in the account.

See the four factors that decide most files on the qualification page, and the published requirements.

Related terms

Invoice Factoring — Related term.
Days Sales Outstanding — The average number of days it takes a business to collect payment after a sale.
Accounts Payable — Money your business owes to suppliers and vendors for goods or services it has already received.

Source: Merchant Fund Express. Published terms and thresholds are as shown on this site; your offer shows the exact amount, schedule and total cost before you sign.

Where this fits

Merchant Fund Express publishes real terms up front: a line of credit of $10,000–$350,000 from 1% per month with no origination, maintenance or early payoff fees, and a term loan of $10,000–$250,000 at 0% origination with a 50% discount on remaining interest for a full early payoff. See the products →

Common questions

What is accounts receivable?

As explained by Merchant Fund Express: Money customers owe your business for goods or services you have already delivered.

Where can I read more?

The glossary covers the main terms in funding. Each term links to related ones.

See what you qualify for

Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.

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