Glossary
The fixed percentage of daily or weekly card and bank deposits that a funder withholds to repay an advance, commonly 10% to 20%.
✓ Checking what you qualify for does not affect your credit score.
Because the holdback is a percentage rather than a fixed dollar amount, the payment rises on strong days and falls on slow ones. It is the mechanism that makes an advance flexible, and also what makes the payoff date variable rather than fixed.
Underwriting for revenue-based business funding leans on bank activity, time in business, industry and existing positions. Where this term touches one of those, it can move a decision.
See the four factors that decide most files on the qualification page.
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 →
The fixed percentage of daily or weekly card and bank deposits that a funder withholds to repay an advance, commonly 10% to 20%.
It depends on the factor it touches — industry, bank activity, time in business or existing positions. Those four decide most files.
Every product page on this site publishes the amount range, term, rate and fee structure up front.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
