Business Financing Solutions

Funding from $5,000 to $500,000 for Small Businesses Nationwide

Merchant Fund Express offers six core financing products for small businesses. Every application receives a same-day decision, with funding deposited in 24 to 72 hours. We work with credit scores as low as 500 and require just 3 months in business to qualify. Whether you need working capital to cover a slow season, equipment to expand operations, or a cash advance against future revenue, we have a product built for your situation.

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1,000+
Businesses Funded
$50M+
Capital Deployed

Our Six Financing Products

Each product is designed for different business needs. Click any card to learn more.

Working Capital

General-purpose funding for day-to-day operations. Cover payroll, inventory, rent, marketing, or any business expense. Receive a lump sum with fixed daily or weekly payments spread over 3 to 18 months. Ideal for businesses that need flexible cash flow support without restrictions on how funds are used.

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Merchant Cash Advance

Get an advance against your future credit card sales. Repayment is automatic through a small percentage of daily card transactions, so payments adjust with your revenue. Best for retail, restaurants, and businesses with high card volume. No fixed monthly payment means less pressure during slow periods.

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Business Line of Credit

Access a revolving credit limit from $5,000 to $250,000. Draw funds when you need them and only pay interest on the amount you use. As you repay, your available credit replenishes. Perfect for managing cash flow gaps, seasonal inventory purchases, or unexpected opportunities that require quick capital.

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Equipment Financing

Finance new or used equipment with terms up to 60 months. The equipment itself serves as collateral, so approval is often easier than unsecured options. Fund machinery, vehicles, technology, restaurant equipment, medical devices, or construction tools. Preserve your working capital while acquiring the assets your business needs to grow.

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Invoice Factoring

Turn unpaid invoices into immediate cash. Sell your outstanding accounts receivable and receive up to 90% of the invoice value upfront. We collect from your customers and release the remaining balance minus a small fee. Eliminates the 30, 60, or 90 day wait for customer payments so you can reinvest in your business immediately.

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Revenue Based Financing

Receive funding based on your monthly revenue with fixed daily or weekly ACH payments. Unlike a merchant cash advance, repayment comes directly from your bank account rather than future revenues. Designed for service businesses, e-commerce, and companies with strong bank deposits but lower card volume.

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How to Choose the Right Financing Product

The right product depends on how you plan to use the funds, your repayment preferences, and your business profile.

Product Best For Amount Speed Repayment
Working CapitalGeneral expenses, payroll, inventory$5K - $500K24-48 hrsFixed daily/weekly
Merchant Cash AdvanceRetail, restaurants, high card volume$5K - $500K24-48 hrs% of card sales
Line of CreditCash flow gaps, recurring needs$5K - $250K24-72 hrsRevolving, interest-only
Equipment FinancingPurchasing equipment or vehicles$5K - $500K48-72 hrsFixed monthly, up to 60 mo
Invoice FactoringB2B businesses with open invoicesUp to 90% of AR24-48 hrsCollected from customers
Revenue Based FinancingService, e-commerce, strong deposits$5K - $500K24-48 hrsFixed daily/weekly ACH

Not sure which product fits? Call us at (305) 384-8391 and a funding specialist will walk you through your options in under 10 minutes. Or apply online and we will match you with the best product based on your application.

Why Merchant Fund Express

Same-Day Decisions

Submit your application and hear back the same business day. No weeks of waiting, no endless document requests. We review your bank statements and business profile to give you a fast, honest answer.

Direct Lending Partner

We fund directly and work with a curated network of lending partners. This means more options, better rates, and a dedicated point of contact throughout the process. No brokers sending your information to dozens of lenders.

1,000+ Businesses Funded

From restaurants and retail stores to trucking companies and medical practices, we have funded over 1,000 businesses across every industry and all 50 states. Over $50 million in capital deployed and counting.

Frequently Asked Questions

Merchant Fund Express works with credit scores as low as 500. Approval is based on your overall business performance, not just your credit score. We look at monthly revenue, time in business, and industry when making funding decisions.

Most applications receive a same-day decision. Once approved, funds are typically deposited into your business bank account within 24 to 72 hours depending on the product and your bank.

A merchant cash advance provides a lump sum repaid through a percentage of daily credit card sales. A business line of credit gives you access to a revolving credit limit you can draw from as needed and only pay interest on what you use. MCAs are best for businesses with high card volume, while lines of credit suit businesses with recurring capital needs.

Merchant Fund Express offers financing from $5,000 to $500,000. The amount you qualify for depends on your monthly revenue, time in business, and the financing product you choose. Businesses doing $10,000 or more in monthly revenue with at least 3 months of operating history typically qualify.

Most of our financing products do not require traditional collateral. Merchant cash advances, lines of credit, revenue based financing, and working capital loans are unsecured. Equipment financing uses the equipment itself as collateral, which often makes approval easier for businesses that need to purchase specific assets.

Ready to Get Funded?

Apply in 5 minutes. Same-day decision. Funding in 24-72 hours.

Start Your Application

Or call us directly: (305) 384-8391