$5K to $5M for businesses with credit scores from 500. Revenue matters more than FICO. Get a real decision in 24 hours — no collateral, no perfect credit required.
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Traditional banks reject 80% of small business loan applications, and a credit score below 680 is the #1 reason. We see things differently.
If your business deposits $10K+/month, that's the strongest signal you can repay. We weight bank cash flow over FICO — even at 500.
Algorithms reject anyone under 680. Our team reviews your actual business — explanations, seasonality, and recovery context all matter.
You don't need to risk your home or equipment. We offer unsecured working capital and revenue-based financing up to $500K with no liens.
Bad credit usually means urgency. We approve in 24 hours and fund in 1-3 days — not the 60-90 days a bank will waste.
Real numbers. No bait-and-switch. Here's what businesses at each credit tier are actually getting funded.
| Credit Score | Funding Available | Best Products | Typical Rate Range | Approval Odds |
|---|---|---|---|---|
| 450-499 | $5K – $50K | MCA, Invoice Factoring | 1.35x – 1.50x factor | 40-55% |
| 500-549 | $10K – $150K | MCA, Revenue-Based Financing | 1.28x – 1.42x factor | 65-75% |
| 550-599 | $15K – $350K | RBF, Working Capital, MCA | 1.22x – 1.38x factor | 75-85% |
| 600-649 | $25K – $750K | Working Capital, LOC, RBF | 1.18x – 1.32x factor | 85-92% |
| 650-679 | $50K – $2M | Working Capital, LOC, Equipment | 1.15x – 1.28x factor | 92-96% |
| 680+ | $50K – $5M | All products available | 1.10x – 1.25x factor | 96-99% |
Approval odds based on businesses with $10K+ monthly deposits and 6+ months in business.
Four steps. No paperwork stacks. No bank visits. Same fast process whether your FICO is 500 or 800.
Soft credit check only — won't hurt your score. Just basic business info and 3 months of bank statements.
An underwriter reviews your revenue, deposit consistency, and time in business. FICO is one of 12 factors.
Within 24 hours, see offers across MCA, RBF, working capital, and invoice factoring. Pick what fits.
E-sign and funds wire to your business account. Use it for inventory, payroll, equipment — anything.
Bad credit doesn't mean a bad business. Here are owners who got funded when banks said no.
"FICO was 522 after my divorce. Three banks slammed the door. MFE looked at my $48K/month deposits and approved $125K in 36 hours. Game-changer."
"My credit took a hit during COVID — dropped to 540. Nobody would touch me. They funded me $80K based on revenue alone. Paid it off early, score is back to 690 now."
"I'm a 580 FICO contractor with $35K/month in receivables. Got $200K in invoice factoring. The bank wanted my house as collateral. MFE wanted… nothing. Just my A/R."
See how Merchant Fund Express stacks up against traditional banks and other online lenders.
| Feature | Merchant Fund Express | Traditional Banks | Other Online Lenders |
|---|---|---|---|
| Minimum Credit Score | 500 | 680-720 | 600-680 |
| Funding Range | $5K – $5M | $100K – $5M | $10K – $500K |
| Approval Time | 24 hours | 30-90 days | 2-7 days |
| Funding Speed | 1-3 days | 30-60 days after approval | 3-10 days |
| Collateral Required | Not required | Often required | Sometimes |
| Revenue-Based Approval | YES — primary factor | Secondary | Sometimes |
| Personal Guarantee | Sometimes | Always | Always |
| Time in Business Min. | 6 months | 2+ years | 1 year |
| Multiple Offers | YES — 6 product types | No | Sometimes |
Quick answers to the most common questions.
Stop letting your FICO score block your business. We approve 500+ — apply in 4 minutes and get a decision in 24 hours.