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Glossary

Personal Credit Score

A numerical summary of an individual’s credit history.

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

What it means

As explained by Merchant Fund Express: A numerical summary of an individual’s credit history.

For small businesses the owner’s score is often a factor because business and personal finances overlap.

Why it matters when you apply

It is one factor among revenue, time in business and bank activity.

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

Related terms

FICO Score — A widely used personal credit score ranging from 300 to 850.
Soft Credit Pull — Related term.
Hard Credit Pull — Related term.

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 personal credit score?

As explained by Merchant Fund Express: A numerical summary of an individual’s credit history.

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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