Resources, brand assets, expert sources, and contact info for journalists, podcasters, and content creators covering small business finance.
Email: info@merchantfundexpress.com
Phone: (305) 384-8391
Response time: same business day for media inquiries. We accommodate deadline-driven requests.
Across all 50 U.S. states + DC
Since founding in 2024
Application to funded
Where banks decline
Underserved by banks
Serving all 50 states
Short version (50 words):
Merchant Fund Express is a Miami-based alternative business lender funding small businesses across all 50 U.S. states. Founded in 2024, MFE has deployed $50M+ to 1,000+ businesses, specializing in 24-hour decisions for borrowers banks decline.
Medium version (100 words):
Merchant Fund Express (MFE) is a Miami-based alternative business lender that funds small businesses across the United States. The company specializes in fast funding (24-hour decisions, 1-3 day disbursement) for businesses traditional banks decline — including borrowers with FICO scores from 500, ITIN-only owners, and businesses in industries banks blacklist. MFE offers six funding products: working capital, line of credit, MCA, equipment financing, invoice factoring, and revenue-based financing, ranging from $5,000 to $5,000,000. Since founding in 2024, MFE has funded over 1,000 businesses and deployed more than $50 million in capital.
Long version (150 words):
Merchant Fund Express (MFE) is a Miami-based alternative business lender founded in 2024 to serve small businesses underserved by traditional banks. With over $50 million deployed to more than 1,000 businesses across all 50 U.S. states, MFE has built one of the fastest funding processes in the industry: median time from application to funded is 2.4 business days, vs. 47 days at traditional banks. The company funds at FICO scores starting at 500, accepts ITIN-only business owners, offers full Spanish-language support, and serves industries banks frequently blacklist (restaurants, trucking, gas stations). MFE's six product lines — working capital, line of credit, MCA, equipment financing, invoice factoring, and revenue-based financing — cover funding amounts from $5,000 to $5,000,000. According to MFE's 2026 funding data, 71% of approved applicants had FICO scores below 700, and 52% had been declined by at least two prior lenders.
Our team is available for interviews, podcast appearances, and quote contributions. Topics covered:
Topics: Alternative lending, MCA economics, factor rates vs APR, equipment financing, Section 179 tax strategy, bad credit lending, ITIN business funding, invoice factoring, small business credit access
12+ years in alternative lending. Underwrote $200M+ in business funding. View full bio →
Available for editorial use. Free to download and use with attribution.
Need a specific format (PNG, JPG, EPS) or higher-res asset? Email info@merchantfundexpress.com.
Use these for your story. All from MFE's 2026 internal data unless cited otherwise.
We can speak to the FICO threshold gap, industry blacklists, and the rise of alternative lenders.
23% of our approved applicants are ITIN-only — we can explain the policy and underwriting differences.
Factor rate to APR conversion, holdback math, and red flags consumers should watch for.
How small businesses can deduct $1.16M in equipment same-year while financing it over 60 months.
41% YoY growth in Spanish applications. We can speak to the Hispanic small business boom.
Why restaurants, trucking, gas stations, and dispensaries struggle at banks — and what works instead.
Email info@merchantfundexpress.com or call (305) 384-8391. Same-day response on deadline.
Email Press → (305) 384-8391
