A low personal credit score does not have to trap you in a bad advance. We accept 500+ FICO and refinance based on your business cash flow — buying out your high-rate MCA into better terms.
Get Your Free MCA Payoff Quote → Call (305) 384-8391When your personal credit has taken a hit, the banks stop returning calls — and that is exactly when MCA funders charge the most. The good news: a merchant cash advance refinance is driven primarily by your business revenue, not your FICO. Merchant Fund Express accepts 500+ FICO and buys out high-factor-rate advances based on how your business actually performs, restructuring them into a single more manageable payment.
An MCA is repaid from your future receivables, so the underwriting leans on your business deposits, not a heavy personal credit pull. That is why we can refinance owners at 500+ FICO. The factor rate on your current advance is a flat multiplier — a $40,000 advance at a 1.49 factor means a fixed $59,600 payback ($40,000 × 1.49) regardless of credit. (Illustrative factor-rate example, not a quoted offer.) Refinancing into better terms can lower that daily burden even when your personal score is low, because we are buying out the advance against your cash flow.
Counterintuitively, replacing several aggressive daily debits with one structured payment can relieve the exact pressure that causes missed payments and bounced ACHs in the first place. When your account is not being drained every business day by multiple funders, you are far less likely to default — and avoiding defaults is the single best thing you can do for credit recovery.
Send your current MCA contract and three months of business bank statements. We calculate your true effective rate and the daily drain, then structure a buyout or consolidation that lowers your burden and pays your existing funder in full — judging your business, not your past. Approved files often fund the same day. As a direct funder, decisions come in 2-4 hours.
Restaurants, contractors, trucking, retail, salons, auto shops, medical practices, and more refinance with us despite imperfect credit. What matters is consistent business deposits and an existing advance we can buy out. We do not require tax returns for most requests under $250,000.
We will not promise a magic fix. As an honest, trusted, direct funder, we tell you plainly whether a buyout lowers your real cost given your numbers. If it helps, we move fast. If another offer you received is just a higher-factor advance dressed up as a refinance, we will warn you.
| Factor | Staying in Your Current MCA | Refinance / Buyout With MFE |
|---|---|---|
| Credit requirement | Often opaque, can penalize low scores | 500+ FICO accepted, cash-flow focused |
| Daily drain | Aggressive daily debits raise default risk | One structured payment that eases pressure |
| Stacked advances | Multiple funders debit your account | Consolidated into one manageable payment |
| Documentation | Can be heavy | No tax returns for most requests under $250K |
| Speed | Funder-driven timeline | 2-4 hour decisions, same-day funding possible |
Yes. We accept 500+ FICO and refinance based on your business cash flow, not just your personal score.
MCA refinancing relies primarily on business revenue, and replacing aggressive daily debits with one structured payment can reduce the default risk that damages credit.
500+ FICO. Consistent business deposits matter more than your exact score.
Yes. As a direct funder we pay off your existing advance in full and refinance it into better terms, often the same day.
For most requests under $250,000, no. Your MCA contract and three months of statements are typically enough.
Decisions in 2-4 hours with complete documentation. Same-day funding is possible.
Honest buyout & refinance from a direct funder. 2-4 hour decisions. 500+ FICO welcome.
Get Your Free MCA Payoff Quote →Or call (305) 384-8391