Alternatives
VersaFi Capital publishes its consolidation range and its marketing claims, but not its minimums. Here is the full picture alongside ours.
✓ Checking what you qualify for does not affect your credit score.
Quoted from VersaFi Capital’s own website and public profiles, checked October 15, 2026. Where a figure carries a qualifier such as “up to”, the qualifier is part of the quote.
Sources: VersaFi Capital homepage, About page, BBB profile, Trustpilot; checked October 15, 2026. VersaFi Capital is a trademark of its owner; Merchant Fund Express is not affiliated.
Same categories, our figures, so the comparison is like for like.
Every figure above is transcribed from current lender guideline documents. See all three tiers →
A simple way to read any funder: what will they put in writing before you apply?
| VersaFi Capital | Merchant Fund Express | |
|---|---|---|
| Amount range | Published | Published |
| Consolidation or buyout term | Published (up to 12 months) | Published by product |
| Credit score minimum | Not published | Published |
| Time in business minimum | Not published | Published |
| Revenue minimum | Not published | Published |
| Rates or pricing | Not published | Published for line of credit and term loan |
| Early payoff terms | Not published | Published |
| States | Not published | Published (all 50) |
VersaFi Capital is built around one job: taking several merchant cash advances and turning them into one payment. Its consolidation range, $25,000 to $5,000,000 with terms up to 12 months, is wider at the top than most owners will ever need, and it publishes that range plainly. That is a real strength for an owner carrying four or five positions.
Where it publishes less is the entry bar. There is no credit score, time in business or revenue minimum on its site, and the funded totals differ from page to page. The funded totals on VersaFi’s own pages range from $116M across 2,325 businesses (About page) to $500M+ across 10,000+ businesses (homepage FAQ); the homepage stats show $317M and 6,335 businesses, and its /ig page shows $244.9M and 490+.
The honest contrast with us is the shape of the product. We publish the bar up front, and our buyout covers balances of $100,000 or less rather than a $5,000,000 consolidation. If your stack is large, VersaFi may be the better candidate to compare; if it is one or two smaller balances, or if you want the minimums in writing first, our application is the faster route to a written answer. Either way, compare total payback, not just the weekly number.
A short application. No impact to your credit score to see what you qualify for.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the term and the total cost before you sign anything.
Money in your account, typically the next business day after signing.
Not published. Its site lists no minimum credit score or time in business, checked October 15, 2026.
Its site lists MCA consolidation from $25,000 to $5,000,000 with terms up to 12 months.
It is VersaFi’s advertised upper bound. Its consolidation funnel also cites a 22% average savings figure. Your result depends on your balances and terms.
VersaFi focuses on large consolidations; Merchant Fund Express publishes its minimums and offers buyouts on balances of $100,000 or less.
Figures were read from VersaFi Capital’s website, BBB profile and Trustpilot page on October 15, 2026. Companies change terms, so confirm anything material with them.
No. We are one of the options on this page. What we can do is quote the other side accurately and publish our own numbers in the same detail.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
