MFE does not sell you a property or fund your acquisition. What we do: provide fast working capital for the renovation costs, contractor invoices, materials, and holding expenses that come after you close. Keep your projects moving without draining cash reserves.
Apply in 10 Minutes Call (305) 384-8391Transparency matters. Real estate investors frequently search for a single financing source that handles acquisition, renovation, and holding costs. MFE is not that. Here is a clear breakdown:
| MFE DOES Fund | MFE Does NOT Fund |
|---|---|
| General contractor invoices and labor | Property purchase price or down payment |
| Materials: lumber, fixtures, flooring, drywall | Bridge loans or acquisition financing |
| Subcontractor payments (HVAC, plumbing, electrical) | Hard money lending against real property |
| Permit fees and inspection costs | Mortgage loans of any type |
| Holding costs: utilities, insurance, property taxes | Refinancing existing real estate debt |
| Marketing and staging costs for resale | Commercial real estate construction loans |
| Equipment for your investment business (trucks, tools) | Land purchases or lot financing |
| Administrative and overhead costs for your LLC | Capital for other investors or third-party deals |
Successful real estate investors know that the acquisition is only the beginning. After you close on a property, the real cost structure begins: contractors expect deposit payments before work starts, material suppliers want net-15 or COD, and permits require upfront fees. Meanwhile, your capital is tied up in the property itself. The gap between closed acquisition and received sales proceeds can span 4 to 12 months on a typical fix-and-flip project.
Most real estate investors manage multiple deals simultaneously. On any given week, you might have one property generating contractor invoices, a second in holding mode (carrying insurance and taxes), and a third being staged and marketed for sale. The cash demands from each deal compound, and the timing rarely lines up with when you actually receive proceeds.
Working capital financing from MFE addresses this gap. Rather than pulling from a personal credit line or pausing a renovation because you're waiting on the sale of the last flip, you can access business capital to keep all projects on schedule.
The most common renovation expenses real estate investors cover with working capital include:
Lump-sum deposit to fund a renovation budget, pay a contractor, or cover a large material order. Fixed repayment schedule. Best when you have a defined project budget and timeline.
Revolving credit you draw as project expenses arrive. Ideal for managing multiple active deals with unpredictable timing. Draw, repay from proceeds, draw again for the next deal.
Fixed daily or weekly ACH repayment tied to a percentage of business revenue. Well-suited for investors with consistent flip volume who want predictable repayment aligned with deal flow.
Fast advance based on future business revenue. Repaid as a percentage of daily bank deposits. Useful when you need capital quickly and have strong recent bank deposit history.
Finance trucks, trailers, construction tools, and office equipment for your investment company. Asset-secured; terms up to 60 months.
If you operate as a real estate investor who also invoices commercial clients — property management, consulting, or wholesale deals — factoring converts outstanding invoices to immediate cash.
Underwriting for real estate investors is based on your business performance, not your property portfolio. MFE looks at:
Credit scores are a factor in some programs but are less determinative than cash flow. Revenue Based Financing and MCA products weight recent bank deposit activity more heavily than credit scores, making them accessible to investors who have substantial deal volume but imperfect personal credit.
Questions before applying? Call (305) 384-8391 to speak with a funding specialist.
No. Merchant Fund Express does not offer acquisition financing, bridge loans, or hard money lending. MFE provides working capital for the operating expenses of your real estate investment business — renovation costs, contractor payments, materials, and holding costs — after you have already acquired the property through another source.
MFE working capital is used for renovation and rehab costs (contractor labor, materials, permits), holding costs during the renovation period (utilities, insurance, taxes), marketing costs to sell the property, purchasing tools or equipment for your investment business, and general operating expenses of your real estate LLC.
A hard money loan is secured by real property and typically used to acquire or refinance a property. Revenue Based Financing from MFE is an unsecured business financing product repaid via fixed ACH debits from your business bank account. It does not use real estate as collateral and is not an acquisition loan — it funds operating costs only.
Yes. Most programs require at least 6 months of business banking history and at least $10,000/month in gross business revenue. Newer investors or LLCs with limited history may find fewer programs available until they establish a revenue track record.
Funding is based on your business's overall revenue and ability to repay, not on specific projects. If your business generates sufficient revenue across multiple projects and qualifies for a higher funding amount, the capital can be used across your active deals.
Decisions are typically made within 24-48 hours of a complete application. Funds are deposited within 1-3 business days after approval. This is much faster than conventional lending but applies only to operating capital, not property acquisition.
LLCs, S-Corps, C-Corps, and sole proprietors are all eligible. Most active real estate investors already operate through an LLC, which is the most common structure we fund.
Working capital from MFE is for business operating expenses. Paying yourself a business owner's draw or salary from a business account is a personal financial decision, but the funds must be used in the context of your business operations. We recommend consulting with your accountant on appropriate draws.
MFE does not offer acquisition loans. For property purchase financing, you will need a hard money lender, bridge lender, or conventional mortgage source. MFE covers what comes after the close.
Apply in 10 minutes. No obligation. Decisions in as little as 24 hours.
Apply Now Call (305) 384-8391Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.