Honest comparison of features, costs, and best use cases. Updated 2026.
| Factor | Merchant Fund Express | Kabbage by Amex |
|---|---|---|
| Min FICO | 500+ | 640+ |
| Min Revenue | $10K monthly | $3,000 monthly |
| Speed | 24 hours | 5-15 minutes (online) |
| Funding Type | 6 product options | Line of credit only |
| Range | $5K-$5M | Up to $250K LOC |
| Real Underwriters | Yes | Algorithm-based |
| Best For | Bad credit, larger amounts | Quick small LOC, good credit |
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