Compare
A soft pull checks your credit without affecting your score.
✓ 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.
A soft pull checks your credit without affecting your score. A hard pull is recorded as an inquiry and can lower your score slightly. Knowing which happens when lets you shop without penalty.
| Soft credit pull | Hard credit pull | |
|---|---|---|
| Effect on score | None | Small, temporary dip |
| Visible to other lenders | No | Yes, as an inquiry |
| Typical use | Pre-qualification, checking what you qualify for | Final approval, signing |
| At Merchant Fund Express | Checking what you qualify for does not affect your credit score | Only when you move forward on an offer |
A practical sequence: 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 |
|---|---|
| 1 | Check what you qualify for (soft) |
| 2 | Compare offers |
| 3 | A hard pull only if you proceed |
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.
Checking what you qualify for does not affect your credit score. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
Several in a short window can add up. Prefer to shop with soft pulls and accept a hard pull only at the end. 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.
