Honest comparison of features, costs, and best use cases. Updated 2026.
| Factor | Merchant Fund Express | PayPal Working Capital |
|---|---|---|
| Min FICO | 500+ | No min stated |
| Eligibility | $10K monthly revenue | Active PayPal Business 90+ days |
| Funding Source | Bank statements | PayPal sales history |
| Range | $5K-$5M | Up to $200K typical |
| Speed | 24 hours | Minutes (existing PayPal users) |
| Repayment | Daily/weekly ACH | % of PayPal sales |
| Best For | Non-PayPal heavy businesses | PayPal-dependent sellers |
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