Honest comparison of features, costs, and best use cases. Updated 2026.
| Factor | Merchant Fund Express | BlueVine |
|---|---|---|
| Min FICO | 500+ | 625+ |
| Funding Range | $5K-$5M | Up to $250K LOC, $5M factoring |
| Products | 6 types | LOC + Factoring |
| Time in Business | 6 months | 6 months |
| Speed | 24-72 hours | 24 hours |
| Underwriting | Real humans | Algorithm |
| ITIN Friendly | Yes | Generally requires SSN |
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