Honest comparison of features, costs, and best use cases. Updated 2026.
| Factor | Merchant Fund Express | OnDeck |
|---|---|---|
| Min FICO | 500+ | 625+ |
| Min Time in Business | 6 months | 1 year |
| Speed | 24 hours decision | 24 hours decision |
| Funding Range | $5K-$5M | $5K-$250K |
| Products | 6 types (WC, MCA, Equipment, Factoring, RBF, LOC) | Term loan, LOC |
| ITIN Friendly | Yes | Generally requires SSN |
| Spanish Support | Yes | Limited |
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