Guide
North Carolina funds normally here, with no extra tier restrictions.
✓ Checking what you qualify for does not affect your credit score.
North Carolina funds normally here, with no extra tier restrictions.
Construction is a large share of North Carolina files — note that new residential construction and residential remodelling are restricted, while commercial and specialty trades are not.
Merchant Fund Express funds in all 50 US states. We fund businesses in all 50 states. 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.
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.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Application plus three months of business bank statements. Same-day decision, next business day funding.
Yes. Construction is a large share of North Carolina files — note that new residential construction and residential remodelling are restricted, while commercial and specialty trades are not.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
All 50 states. California and New York carry extra restrictions on the revenue-based tier.
Same day on a complete file.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
