Tree of Life Funding vs MFE
Two Miami companies compared on requirements, amounts, published pricing and speed, checked October 15, 2026.
| Tree of Life Funding | Merchant Fund Express | |
|---|---|---|
| How it works | Self-described marketplace and “growth partner”; its OnDeck page cites 75+ lenders | Marketplace: one application matched with multiple funders |
| Based in | Miami, Florida (12000 Biscayne Blvd) | Miami, Florida |
| Minimum credit | Varies by page: “all credit types” (/compare/ondeck) to 600+ for term loans (term loan page) | 500 minimum (better credit, better offers) |
| Time in business | 6+ months (homepage); 3 months (/compare/ondeck) | 3 years for Tier 1, 6 months for revenue-based |
| Revenue | $30,000+ a month (homepage); $10,000 a month for MCA (llms.txt) | $300,000/year or $25,000/month for Tier 1, $60,000 for revenue-based |
| Amounts | Up to $5M+ (homepage); $10,000 to $500,000+ (llms.txt) | Line of credit $10,000 to $350,000; term loan $10,000 to $250,000 |
| Pricing published | Term loans 6% to 25% APR; MCA factor 1.1 to 1.5; line of credit 1% to 3% monthly | Line of credit from 1% per month; term loan 0% origination; 2.49% per draw |
| Early payoff | “Many” term loans have no prepayment penalty; llms.txt says most MCAs offer no early payoff discount | Discounts at 30, 60 and 90 days |
| Speed | Decisions in hours; funding often in 24 to 48 hours | Same-day decision; funding typically next business day after signing |
| Countries | U.S., Canada and the U.K. | All 50 U.S. states |
Sources: treeoflifefunding.com (homepage), /who-we-are, /products/business-term-loans, /products/merchant-cash-advance, /compare/ondeck, llms.txt, llms-full.txt and Trustpilot; checked October 15, 2026. Tree of Life Funding is a trademark of its owner; Merchant Fund Express is not affiliated.
Model. Both are based in Miami. Tree of Life Funding calls itself a marketplace and growth partner and pairs each client with a personal financial advisor; its OnDeck comparison page cites 75+ lenders. Merchant Fund Express matches one application with multiple funders so you can compare offers.
Size. Tree of Life Funding lists larger amounts: term loans of $50,000 to $5,000,000 over 1 to 5 years, and merchant cash advances up to $5,000,000. Merchant Fund Express offers lines of credit to $350,000 and term loans to $250,000, plus merchant cash advances, second position funding and buyouts on balances of $100,000 or less.
Products. Tree of Life Funding lists 12 products, including a HELOC, payroll funding, invoice financing and an ERTC advance. Merchant Fund Express does not offer HELOCs or invoice financing.
Requirements. Tree of Life Funding’s homepage says $30,000+ a month and 6+ months; other pages state lower figures. Merchant Fund Express publishes one set: a 500 floor, a revenue-based path from 6 months, and Tier 1 at 3 years and $25,000 a month.
Pricing and payoff. Tree of Life Funding publishes ranges: 6% to 25% APR on term loans, factor rates of 1.1 to 1.5 on merchant cash advances and 1% to 3% monthly on lines of credit. Merchant Fund Express publishes no origination fee on the term loan, 2.49% per draw on the line of credit and early payoff discounts at 30, 60 and 90 days.
Illustrative scenario. A dental practice with 4 years in business wants $1,200,000 for a second office: Tree of Life Funding’s term loan range covers that and ours does not. A food truck with a 560 score, 7 months in business and $18,000 a month needs $35,000: that fits our 500 floor and revenue-based path, and sits below the $30,000 monthly figure on Tree of Life Funding’s homepage.
If you need more than $350,000, a HELOC or invoice financing, or you operate in Canada or the U.K., Tree of Life Funding lists those and we do not. If your revenue is under $30,000 a month, your score is in the 500s, you want early payoff discounts in writing, or you need a buyout of an advance of $100,000 or less, a Merchant Fund Express application is the more direct route. If you qualify for both, compare written offers on APR, fees and total payback.
Good fit:
Compare first if:
Request a written Tree of Life Funding quote and a Merchant Fund Express application, then line up net cash, APR, fees and total payback. Credit from 500, same-day decisions, funding typically the next business day.
No, they are separate companies with no affiliation, although both are based in Miami.
Merchant Fund Express publishes $60,000 total revenue for its revenue-based path. Tree of Life Funding’s homepage says $30,000+ a month; its llms.txt says $10,000 a month for an MCA.
Tree of Life Funding, with term loans and merchant cash advances up to $5,000,000. Merchant Fund Express lines of credit reach $350,000.
Merchant Fund Express, at 30, 60 and 90 days. Tree of Life Funding says many term loans have no prepayment penalty.
Tree of Life Funding says funding often arrives in 24 to 48 hours; Merchant Fund Express publishes same-day decisions and next-business-day funding after signing.
Yes, and comparing written offers on total payback is a good idea.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
