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If the money is for a machine, a vehicle or fixtures, two structures compete: a general-purpose advance and financing secured by the equipment itself.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, we compare structures on total dollars repaid and the rhythm of payments, and we publish our own terms so you can do the same.
If the money is for a machine, a vehicle or fixtures, two structures compete: a general-purpose advance and financing secured by the equipment itself. The asset behind the deal changes both the cost and the paperwork.
| Merchant cash advance | Equipment financing | |
|---|---|---|
| Secured by | Future receivables | The equipment itself |
| Use of funds | Anything | Equipment purchase |
| Term | Months, tied to sales | Often matched to the equipment’s useful life |
| Payments | Daily or weekly, may follow sales | Fixed schedule |
| Speed | Fastest | Fast, with a quote or invoice for the equipment |
| Best for | Urgent needs or mixed uses | A defined purchase where the asset can back the deal |
A $50,000 machine, illustrative arithmetic only: These are illustrative figures to show the arithmetic, not an offer; your offer shows the amount, schedule and total cost before you sign.
| Item | Figure |
|---|---|
| Advance at an example 1.30 factor: total payback | $65,000 |
| Equipment financing | Total depends on term and rate shown in your offer |
| What matters | Compare total dollars and the monthly rhythm, and whether the payment is covered by the machine’s added output |
Compare any offer on total dollars repaid and the rhythm of payments, not on a single rate. Use the factor-rate calculator and how much can I borrow to test your numbers. The minimum FICO is 500, and the better your credit, the better your offer.
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.
Often, because the asset secures it; the offer shows the total cost so you can compare dollars repaid. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
Terms vary by file and structure; the offer shows the full amount and schedule before you sign. Merchant Fund Express publishes its terms and thresholds before you apply.
Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.
