Libertas Funding vs MFE
Libertas Funding and Merchant Fund Express compared on amount ranges, products and requirements, checked October 2026.
| Libertas Funding | Merchant Fund Express | |
|---|---|---|
| How it works | Revenue-based funder focused on larger amounts | Marketplace: one application matched with multiple funders |
| Minimum credit | Not published | 500 minimum (better credit, better offers) |
| Time in business | Not published | Varies by funder and product |
| Revenue | Not published | Varies by product |
| Amounts | $500K–$10M (can be as low as $100K) | $25,000 to $5,000,000 (product ranges) |
| Speed | Not published | Same-day decision; funding typically next business day after signing |
| Products | Short-term, revenue-based financing | Merchant cash advance, business line of credit, second position funding, buyouts on balances of $100,000 or less |
| States | Not published | All 50 states |
Sources: Libertas Funding homepage, Trustpilot; checked October 2026. Libertas Funding is a trademark of its owner; Merchant Fund Express is not affiliated.
Libertas is a revenue-based funder focused on larger amounts; Merchant Fund Express is a marketplace matching one application with multiple funders.
Amounts differ: Libertas lists $500,000 to $10 million, as low as $100,000; Merchant Fund Express lists product ranges from $25,000 to $5,000,000.
Products: Libertas offers short-term revenue-based financing; Merchant Fund Express offers MCAs, lines, second position funding and buyouts on balances of $100,000 or less.
Requirements: Libertas did not publish minimums on its homepage; Merchant Fund Express publishes a 500 credit minimum with better credit earning better offers.
For large needs, comparing a Libertas offer with marketplace offers can reveal meaningful pricing differences.
For smaller needs under $100,000, Merchant Fund Express’s ranges are the more relevant fit.
Size is the clearest dividing line. Libertas describes amounts from $500K to $10M, and it can go as low as $100K. Merchant Fund Express buyouts cover balances of $100,000 or less, and most working-capital offers through its funders are sized to monthly deposits. A business asking for $40,000 and a business asking for $2M are usually shopping in different places.
Illustrative scenario: a regional distributor with $900,000 in monthly revenue seeking $1.5M for inventory fits the range Libertas describes. A two-truck moving company with $45,000 in monthly deposits seeking $35,000 sits far below that range and fits a marketplace better.
What Libertas does not publish: credit, time-in-business, revenue and speed figures were not on the pages we checked, so ask directly. Merchant Fund Express publishes a 500 credit floor with same-day decisions.
For large revenue-based deals, request a Libertas quote and compare it with marketplace offers. For smaller needs, lines of credit or buyouts, a marketplace fits better. Compare written offers on total cost and payment fit.
Good fit:
Compare first if:
Request a written Libertas Funding quote and a Merchant Fund Express application, then line up net cash, total payback and payment frequency. Credit from 500, same-day decisions, funding typically the next business day.
No, they are separate companies.
Libertas lists up to $10 million; Merchant Fund Express up to $5 million across products.
Merchant Fund Express publishes 500.
Merchant Fund Express offers buyouts on balances of $100,000 or less.
Yes, small pricing differences become large at scale.
It describes $500K to $10M, sometimes as low as $100K.
At that size, a marketplace like Merchant Fund Express is the more typical fit.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
