Honest comparison of features, costs, and best use cases. Updated 2026.
| Factor | Merchant Fund Express | Fundbox |
|---|---|---|
| Min FICO | 500+ | 600+ |
| Min Revenue | $10K/month | $100K/year |
| Range | $5K-$5M | Up to $150K |
| Products | 6 types | LOC + Pay |
| Speed | 24 hours | 24 hours |
| Time in Business | 6 months | 6 months |
| Best For | Larger amounts, more flexibility | Smaller invoiced businesses |
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