Honest comparison of features, costs, and best use cases. Updated 2026.
| Factor | Merchant Fund Express | Square Capital |
|---|---|---|
| Eligibility | Open to any business | Square POS users only |
| Funding Source | Bank statements | Square processing history |
| Range | $5K-$5M | Up to $250K typical |
| Repayment | Daily/weekly ACH | % of Square card sales |
| Speed | 24 hours | 1-2 business days |
| Best For | Non-Square businesses | Heavy Square POS users |
| Personal Credit | 500+ FICO | Not typically checked |
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