Glossary
The share of available revolving credit that is in use.
✓ Checking what you qualify for does not affect your credit score.
As explained by Merchant Fund Express: The share of available revolving credit that is in use.
High utilisation on business or personal cards can lower scores and signal stress, even when payments are on time.
Paying down card balances before applying can improve how a file reads.
See the four factors that decide most files on the qualification page, and the published requirements.
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.
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 →
As explained by Merchant Fund Express: The share of available revolving credit that is in use.
The glossary covers the main terms in funding. Each term links to related ones.
Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.
