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Glossary

Settlement

The movement of funds from a transaction into a bank account.

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

What it means

As explained by Merchant Fund Express: The movement of funds from a transaction into a bank account.

Card settlements usually arrive in one to two business days after the sale.

Why it matters when you apply

Settlement timing affects how quickly sales become usable cash.

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

Related terms

Credit Card Processing — The system that accepts card payments from customers and settles them into a business account.
Merchant Account — An account that allows a business to accept card payments and receive settlements.
Cash Flow — The movement of money into and out of a business over a period.

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 settlement?

As explained by Merchant Fund Express: The movement of funds from a transaction into a bank account.

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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