Some of Our Satisfied Clients
Funding nationwide franchise operators and independent businesses across 9 industries and all 50 states.
24-hour decisions. 1-3 day funding. 500+ FICO accepted. No tax returns under $250K.
Pre-qualify in 60 seconds. No credit impact.
Secure · No credit impact · Bank-level encryption
Funding nationwide franchise operators and independent businesses across 9 industries and all 50 states.
From application to funds in your account — most clients complete the entire process in under 72 hours.
4-minute application. Basic business info. No tax returns required.
4 minutes3 months of business bank statements + ID. Upload securely.
5 minutesReal human underwriter reviews your file. Approved or counter-offer.
24 hoursSign agreement, funds wired to your account. Use them however you need.
1-3 daysTailored capital structures built around your cash flow, industry, and growth plan — not a one-size-fits-all bank product.
Lump-sum funding repaid in fixed daily or weekly ACH. Perfect for seasonal cash flow, payroll, inventory.
Learn MoreRevolving credit. Draw what you need, pay only on what you use. Replenishes as you repay.
Learn MoreNew or used equipment. Up to 60-month terms. Section 179 tax-deductible. Equipment serves as collateral.
Learn MoreConvert outstanding invoices to cash today. 80-90% advance, balance on collection. No debt added to your books.
Learn MoreFunding repaid as a percentage of card sales. Cash flow auto-adjusts to your daily revenue.
Learn MorePredictable fixed daily ACH repayment. Structured around your monthly revenue, not credit cards.
Learn MoreWhen the bank says no, we say yes — and we move 60× faster than they do.
| Traditional Bank | Other Online Lenders | Merchant Fund Express | |
|---|---|---|---|
| Decision Time | 30-90 days | 3-7 days | 24 hours |
| Min FICO Required | 720+ | 650+ | 500+ |
| Tax Returns Required | ✗ Always | Often | ✓ Not under $250K |
| Funding Range | $25K-$500K | $5K-$500K | $5K-$5M |
| Funds in Account | 2-4 weeks | 5-10 days | 1-3 business days |
| Approves Bad Credit | ✗ | Sometimes | ✓ Yes |
| Real Human Specialist | Sometimes | ✗ Chatbot | ✓ Always |
Free tools to help you understand your options before you talk to anyone.
180+ funding options sorted by industry, amount, or product type.
Explore →From $5K to $5M. See requirements and rates for your target amount.
Explore →FICO 450 to 800+. Find what you qualify for at your credit profile.
Explore →Got declined by OnDeck, Kabbage, BlueVine? See why we approve.
Explore →1-minute quiz. See exactly what you qualify for. No credit impact.
Take Quiz →Estimate payments, total cost, and savings before you apply.
Calculate →Real businesses, real funding, real outcomes — across every industry and all 50 states.
Got declined by Chase and Wells Fargo for an equipment loan to expand my dental practice. MFE approved me in 18 hours and the funds were in my account 2 days later. Game changer.
My contracting business needed working capital before bid season. The bank said come back in 60 days. MFE had me funded in 3. They didn't blink at our 580 FICO.
Three trucking accounts went 60-day-pay on me at the same time. Invoice factoring with MFE turned my $300K in receivables into cash within a week. Saved my fleet.
After my second restaurant location lease, I needed kitchen equipment fast. MFE structured the financing to match my POS revenue cycle. Decision was hours, not weeks.
Plastic surgery practice acquisition. The seller wanted cash, the SBA wanted 90 days. MFE put $1.2M in escrow within 6 days at terms my CFO actually liked.
Solo HVAC contractor running on vibes. They called me back the same day, knew exactly what I needed, and funded the truck and inventory by Friday. Real specialists.
Everything you need to know before you apply.
Decision in 24 hours. Funds in your account in 1-3 business days. Same-day funding is available on smaller amounts when bank statements are submitted complete.
500+ FICO is our minimum. Cash flow, time in business, and revenue weigh more than credit score on most files. We approve businesses banks reject every day.
Not for amounts under $250K. We base most decisions on the last 3 months of business bank statements. For larger amounts, we may request additional documentation like P&L statements.
$5K to $5M depending on monthly revenue, time in business, credit profile, and product type. Most first-time clients qualify for $25K-$250K based on bank statements alone.
No. Pre-qualification is a soft credit pull — zero impact on your FICO. We only do a hard credit pull at funding, with your written authorization.
That's our specialty. We approve businesses every day that Chase, OnDeck, BlueVine, Kabbage, and others have declined. Multiple declines don't disqualify you with us — we underwrite each file on its own merits.
Almost certainly. We fund 35+ industries including restaurants, construction, trucking, medical, retail, manufacturing, e-commerce, professional services, and more. If you're unsure, just call us at (305) 384-8391.
Apply in 4 minutes. Decision in 24 hours. Funds in 1-3 days.
Join 1,000+ businesses funded by Merchant Fund Express.