Funding in Dallas
Dallas files fund under the same Texas rules: no state disclosure statute, no extra tier restrictions.
Freight and logistics is heavily represented in Dallas. Local freight is fundable; long-distance TL and LTL trucking is restricted.
The states that are excluded
Merchant Fund Express funds in every US state except Vermont, North Dakota and South Dakota. Vermont, North Dakota and South Dakota sit outside the lending area on every product. California and New York carry extra restrictions on the revenue-based tier.
Those are the only geographic lines. Everything else is set by the product.
The thresholds a Dallas file is read against
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
What to send
Application plus three months of business bank statements. Same-day decision, next business day funding.
Questions
Do you fund businesses in Dallas?
Yes. Freight and logistics is heavily represented in Dallas. Local freight is fundable; long-distance TL and LTL trucking is restricted.
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Which states are excluded?
Vermont, North Dakota and South Dakota. California and New York carry extra restrictions on the revenue-based tier.
How fast is a decision?
Same day on a complete file.