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.
How a Merchant Cash Advance Works
An MCA isn't technically a loan. The funder buys a portion of your future receivables at a discount. You receive a lump sum (typically $5K-$1M), and repay through a fixed daily or weekly ACH withdrawal, OR through a percentage of card-processing volume (a 'split'). Repayment automatically scales with revenue — busy weeks pay more, slow weeks pay less.
MCA Costs: Factor Rate vs APR
MCAs use a factor rate (a flat multiplier like 1.20-1.45), not APR. A 1.30 factor rate on $50K means total payback is $65K. Effective APR can range 30-150% depending on payback speed. The faster you pay off, the higher the effective APR — but the lower the time-on-balance-sheet.
Need Funding Now?
Apply in 4 minutes. Decision in 24 hours. 500+ FICO accepted, no tax returns under $250K.
Apply Now →1-Min QuizWhen an MCA Makes Sense
Use an MCA when speed matters more than cost: emergency repairs, time-sensitive inventory deals, equipment failure, or when banks have already declined you. MCAs approve in 24 hours, fund in 1-3 days, and accept FICO scores down to 500. Avoid MCAs for long-term capital needs or when stable cash flow gives you access to cheaper APR products.
MCA Qualification Requirements
Most MCA funders require: minimum 4-6 months in business, monthly revenue of $10K+, and 500+ FICO. Documentation is typically just 3 months of business bank statements — no tax returns required for amounts under $250K. Decision in 24 hours.