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Glossary

Split Funding

A repayment method where a share of each card settlement goes directly to the funder.

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

What it means

As explained by Merchant Fund Express: A repayment method where a share of each card settlement goes directly to the funder.

The processor splits the batch and sends the funder its portion before the business is paid.

Why it matters when you apply

Because it is automatic, it adjusts with sales but also means you never see the full batch.

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.
Holdback — Related term.
Merchant Account — An account that allows a business to accept card payments and receive settlements.

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 split funding?

As explained by Merchant Fund Express: A repayment method where a share of each card settlement goes directly to the funder.

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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