Fundbox provides lines of credit and invoice financing using automated underwriting. Here is how MFE compares — honestly.
See If You Qualify with MFE →| Criteria | Merchant Fund Express | Fundbox |
|---|---|---|
| Minimum FICO | 500+ | 600+ |
| Time in Business | 6 months | 6 months |
| Max Funding | $5,000,000 | $150K |
| 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 |
Fast automated approval, good for newer businesses, connects to accounting software.
Lines of credit cap at $150K, short repayment terms (12-24 weeks), no MCA, no equipment financing, no large funding amounts, no human underwriting for complex files, no POS/branding partners.
MFE funds up to $5M (vs Fundbox $150K cap), offers longer terms and more product types, uses human underwriters who can approve complex or borderline files Fundbox automation rejects, plus free audit and partner network.
Fundbox works for small, fast line-of-credit needs under $150K. For larger amounts, equipment, MCA, or files that need a human to say yes, MFE goes well beyond what Fundbox automation allows.
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