Credibly offers working capital, MCAs, and business expansion loans. Here is how MFE compares — honestly.
See If You Qualify with MFE →| Criteria | Merchant Fund Express | Credibly |
|---|---|---|
| Minimum FICO | 500+ | 500+ |
| Time in Business | 6 months | 6 months |
| Max Funding | $5,000,000 | $400K |
| Decision Speed | 2-4 hours | 1-3 days |
| Direct Funder | Yes | Yes |
| Product Range | Working Capital, LOC, MCA, Equipment, Factoring, RBF | Limited |
| Free Statement Audit | Yes | No |
| Clover POS Partner | Yes (1N1) | No |
| Branding/Web Partner | Yes (Legend Media) | No |
| Bilingual (EN/ES) | Yes | Limited |
Direct funder, accepts lower credit, fast funding.
Factor-rate pricing can be high, no POS or branding services, no free audit, narrower product range than MFE for equipment and factoring.
MFE matches Credibly on low-credit acceptance and speed, while offering more product types (equipment financing, invoice factoring, RBF), the free statement audit, and the POS + branding partner network that turns a single loan into a full business launch.
Credibly and MFE both serve lower-credit borrowers well. MFE differentiates with broader products, the free audit, and the partner ecosystem — you get more than capital, you get a growth partner.
Merchant Fund Express is a direct funder — not a broker, not a marketplace, not a lead-seller. When you apply with MFE, you deal with one accountable team from application to funding. No getting passed around. No mystery third party. And uniquely in this space, MFE bundles the things a growing business actually needs: capital, Clover POS systems (via 1N1 Merchant Solutions), full branding and web design (via Legend Media & Print), and a free merchant statement audit to make sure you are never overpaying processing fees.
Or call (305) 384-8391 · 500+ FICO accepted · Decision in 2-4 hours