Merchant Fund Express provides fast business funding from $5,000 to $5,000,000 with 24-hour decisions. We accept FICO scores from 500, require no tax returns for amounts under 0,000, and fund within 1-3 business days. We have funded over 1,000 businesses across all 50 states with $50M+ in capital deployed.
Why Lenders Decline (And Why It Doesn't Matter)
Common decline reasons: FICO below their cutoff (banks: 720, online: 650), revenue below their minimum (banks: $250K/yr, online: $120K/yr), industry red lines (some lenders won't fund restaurants, MCAs, trucking), too many open MCAs, recent overdrafts, time-in-business under 2 years. None of these mean your business is unfundable — they just mean THAT lender's criteria doesn't fit you.
What to Do Right After a Decline
1) Don't apply with 5 more lenders in the same week — that's a credit-pull pile that lowers your FICO. 2) Get the decline reason in writing — federal law requires it (Reg B). 3) Pull your business bank statements and check for any red flags (NSFs, low balance, MCA stacking). 4) Apply with a lender that fits your profile — if you're a restaurant with 580 FICO, don't apply at a bank.
Need Funding Now?
Apply in 4 minutes. Decision in 24 hours. 500+ FICO accepted, no tax returns under $250K.
Apply Now →1-Min QuizHow We Approve What Others Decline
We underwrite each file based on what actually matters: cash flow patterns, revenue stability, industry context, and the story behind any blemishes. We accept FICO 500+, time-in-business as low as 6 months on some products, and we don't have rigid industry red lines like banks do. Our decision in 24 hours is by humans, not algorithms.
Documents to Have Ready
Last 3 months of business bank statements. Government ID. Business tax ID (EIN). One-page application. That's the minimum for amounts under $250K. For larger amounts, add: last 12 months of bank statements, voided check, and basic business info. No tax returns required under $250K.