National Funding vs MFE
National Funding and Merchant Fund Express compared on credit expectations, products, amounts and speed, checked October 2026.
| National Funding | Merchant Fund Express | |
|---|---|---|
| How it works | Direct funder | Marketplace: one application matched with multiple funders |
| Minimum credit | "Most of our customers have a personal FICO of 600 or higher" | 500 minimum (better credit, better offers) |
| Time in business | Not published on homepage | Varies by funder and product |
| Revenue | Not published on homepage | Varies by product |
| Amounts | Working capital $6,000–$500,000; equipment up to $150,000 | $25,000 to $5,000,000 (product ranges) |
| Speed | Same-day approvals; funds as fast as 24 hours | Same-day decision; funding typically next business day after signing |
| Products | Working capital, term, short-term, inventory, receivables, equipment 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: National Funding homepage, Trustpilot; checked October 2026. National Funding is a trademark of its owner; Merchant Fund Express is not affiliated.
National Funding is a direct funder; Merchant Fund Express is a marketplace that matches one application with multiple funders. With National Funding, you work with one company; with Merchant Fund Express, you see offers from the funders your file is matched with.
On credit, National Funding says most customers have 600 or higher. Merchant Fund Express publishes a 500 minimum, with better credit earning better offers.
Products differ. National Funding lists working capital, term and short-term loans, inventory and receivables financing and equipment financing. Merchant Fund Express offers MCAs, lines of credit, second position funding and buyouts on balances of $100,000 or less.
Amounts differ: National Funding lists working capital up to $500,000 and equipment up to $150,000; Merchant Fund Express lists product ranges from $25,000 to $5,000,000.
Both are fast: National Funding advertises same-day approvals and funds as fast as 24 hours; Merchant Fund Express publishes same-day decisions with funding typically the next business day after signing.
For equipment needs specifically, National Funding’s equipment financing is a direct option; for restructuring an existing advance, Merchant Fund Express’s buyouts are the relevant product.
Illustrative scenario: a restaurant with a 650 score needing a $70,000 walk-in cooler could look at National Funding’s equipment financing. The same restaurant with a 540 score and an existing advance needing cash relief would compare Merchant Fund Express second position or buyout offers.
Both publish quick timing: National Funding says same-day approvals and funds as fast as 24 hours; Merchant Fund Express says same-day decisions and funding typically next business day.
If your credit is around 600 or higher and you want equipment financing or working capital from a single direct funder, request a National Funding quote. If your score is lower or you want several offers or a buyout, use a marketplace. Compare written offers on total cost and payment fit either way.
Good fit:
Compare first if:
Request a written National 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.
Merchant Fund Express publishes 500; National Funding says most customers have 600+.
National Funding lists equipment financing up to $150,000.
Merchant Fund Express offers buyouts on balances of $100,000 or less.
Yes, compare written offers on the same figures.
Yes, up to $150,000.
Both describe roughly next-day funding with complete files.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
