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An advance gives you one lump sum, repaid until the agreed total is paid.
✓ 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.
An advance gives you one lump sum, repaid until the agreed total is paid. A line of credit gives you a pool you can draw on, repay and draw on again, paying only on what you use. They solve different kinds of problem.
| Merchant cash advance | Business line of credit | |
|---|---|---|
| Access | One lump sum | Reusable: draw, repay, draw again |
| Cost | Factor rate on the full amount | Interest on what you draw; 2.49% fee on each draw; no origination, maintenance or early payoff fees |
| Amounts (published) | $25,000 to $5,000,000 | $10,000 to $350,000, minimum draw $10,000 |
| Term | Months | 12 to 36 months |
| Qualification | Reads revenue and bank activity; broader | Strongest tier: 3+ years, 650 FICO, $25,000/month average |
| Best for | A one-time need and a file that misses the first tier | Recurring or unpredictable needs |
A $50,000 need, 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 |
|---|---|
| One draw: 2.49% fee | $1,245 |
| Unused line: cost to keep it open | $0 |
| Advance at an example 1.30 factor: cost of the money | $15,000 |
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 yes: a line can sit in second position, up to $350,000, as long as the business can carry both payments. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
No origination fee, no maintenance fee and no early payoff penalty. Each draw carries a 2.49% fee. 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.
