You complete a short online application, send 3 to 4 months of business bank statements, ID and a voided check, and the MFE team reviews the file and matches it to a product. You receive an offer that shows the amount, the total repayment and the payment schedule, sign electronically if it works for you, and funds are sent to your business account. Same-day decisions are common on complete files, and funding often follows the next business day.
Review My Funding Options →| Stage | Typical timing on a complete file | What can slow it down |
|---|---|---|
| Application | A few minutes | Missing revenue or ownership details |
| Document upload | Same day | Statements missing pages or the current month |
| Review and decision | Same-day decisions are common | Mixed personal and business accounts; unclear existing debt |
| Offer and signing | As soon as you are ready | Waiting on a co-owner's signature |
| Funding | Often the next business day | Bank verification, holidays, first-time factoring setup |
Equipment financing can take longer because the vendor invoice and equipment details have to be confirmed. Invoice factoring usually needs extra time the first time because your customer has to receive and acknowledge a notice of assignment.
$5,000 to $5,000,000. Scores from 500 considered. Same-day decisions are common on complete files.
Review My Funding Options →Amounts run from $5,000 to $5,000,000 across merchant cash advances, revenue-based funding, working capital loans, lines of credit, equipment financing (terms up to 60 months), invoice factoring and MCA refinance or buyout. Credit scores from 500 are considered; stronger credit usually means better offers. These are guidelines, not approvals:
| Product | Monthly revenue | Time in business | Credit |
|---|---|---|---|
| Merchant cash advance | Commonly from about $7,500 | Often 3+ months | 500+ considered |
| Working capital loan | About $17,500 | 6+ months | About 600+ |
| Line of credit | About $17,500 | 1+ year | About 650+ |
Sole proprietors are eligible. Non-profits are not.
Every offer should answer five questions in dollars. Here is an illustrative example of a $30,000 advance:
| Line on the offer | Illustrative figure | What it tells you |
|---|---|---|
| Funded amount | $30,000 | The amount purchased or lent |
| Fees deducted at funding | $0 to a few hundred | Net cash is funded amount minus fees |
| Factor rate | 1.32 | Multiplier on the funded amount |
| Total repayment | $39,600 | The full cost: $9,600 above the funded amount |
| Payment | About $1,650 per week for about 24 weeks | Check it against a slow week of deposits |
Ask also whether early payoff lowers the total and how a slow month is handled. Our funding cost calculator turns any offer into these figures.
Payments start on the schedule in your contract. If sales drop, call before a payment is missed; some products allow an adjustment. Once you have paid down a meaningful share and your account is in good standing, you can ask about renewal or a larger product. If you are carrying several advances, read about MCA consolidation.
Merchant Fund Express reviews merchant cash advances, working capital, lines of credit, equipment financing, invoice factoring and refinancing of existing advances, from $5,000 to $5,000,000.
Review My Funding Options →Or call (305) 384-8391. English and Spanish.
The online application takes a few minutes. Most of the time in the process goes to collecting complete bank statements. With a complete file, same-day decisions are common, and funding often follows the next business day.
Ask the team about the specific credit check used for your product before you submit. MFE considers scores from 500 and up, and a stronger score usually leads to better offers, especially for lines of credit and working capital loans.
Yes. Call (305) 384-8391 in English or Spanish. The team will walk through the total repayment, payment amount and frequency, and any fees, and can compare product types for your file before you commit.
Tell us on the application. We review the combined payment load, and in some cases an MCA refinance or buyout can lower the weekly burden or combine several payments into one. Disclosing existing advances avoids delays later.
Most MFE products are based on business revenue rather than pledged assets. Equipment financing is secured by the equipment itself. Larger requests may need financial statements, and contract terms are shown in your offer before you sign.