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Glossary

Operating History

The record of a business’s revenue, expenses and activity over time.

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

What it means

As explained by Merchant Fund Express: The record of a business’s revenue, expenses and activity over time.

A longer, steadier history is easier to underwrite.

Why it matters when you apply

It is why time in business and clean bank statements matter.

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

Related terms

Time In Business — Related term.
Deposit Count — The number of separate deposits into a business account in a month.
Underwriting — The review that decides whether and on what terms to fund an application.

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 operating history?

As explained by Merchant Fund Express: The record of a business’s revenue, expenses and activity over time.

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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