Rapid Finance offers small business loans, MCAs, and lines of credit. Here is how MFE compares — honestly.
See If You Qualify with MFE →| Criteria | Merchant Fund Express | Rapid Finance |
|---|---|---|
| Minimum FICO | 500+ | 550+ |
| Time in Business | 6 months | 6 months |
| Max Funding | $5,000,000 | $1M |
| 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, multiple products, decent speed.
Less transparent pricing, no published rates, no POS or branding partner network, no free merchant statement audit, less flexibility on bilingual support.
MFE matches Rapid Finance on direct funding and product range, but adds the free merchant statement audit, the 1N1 Clover POS partnership, the Legend Media branding partnership, and bilingual English/Spanish support — a complete business launch package, not just a loan.
Rapid Finance is a legitimate direct funder. MFE competes head-to-head on funding and pulls ahead with the partner network: get funded, get your POS, get your brand built, and get your processing fees audited — all in one relationship.
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
Recent fundings. Individual results vary; funding subject to approval.