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Both can fund the same project.
✓ 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.
Both can fund the same project. Revenue-based financing moves with sales; a term loan asks the same amount every week. Which is better depends on how steady your deposits are and how much you value a payment you can predict.
| Revenue-based financing | Term loan | |
|---|---|---|
| Payments | Share of revenue or an estimate of it | Fixed weekly |
| Slow month | Payments fall with sales | Payment stays the same |
| Payoff date | Variable | Fixed term of 12 to 18 months |
| Cost | Fixed total, set at the start | Interest with 0% origination; 50% off remaining interest for a full early payoff |
| Amounts (published) | From $25,000 | $10,000 to $250,000, capped at 15% of annual revenue |
| Best for | Seasonal or uneven revenue | Steady deposits and a defined project |
A $50,000 request, 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 |
|---|---|
| Revenue-based: illustrative 1.30 total | $65,000 |
| Term loan principal over 52 weeks | $962 a week, plus interest in your offer |
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.
Revenue-based payments flex with sales, which is the point. A fixed weekly payment does not, so size it against your slowest months. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
Compare total dollars repaid. The term loan can cost less, particularly if you pay early; the flexibility of revenue-based financing is what you are paying for. 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.
