Business Funding for Every Entrepreneur
We believe every business owner deserves access to capital — regardless of background, credit history, or immigration status. Discover funding solutions tailored to your unique situation.
Apply NowSpecialized Funding Programs
We have programs designed for every type of business owner
Women-Owned Businesses
Women entrepreneurs are the fastest-growing segment of business owners in America, yet they receive a disproportionately small share of business funding. We are changing that. Our lending partners offer competitive rates and flexible terms specifically designed for women-owned businesses.
- $5K - $5M available
- Competitive rates
- Dedicated support
Veteran-Owned Businesses
Our veterans served their country with honor, and we are honored to serve them in their entrepreneurial journey. We understand the unique challenges veterans face when transitioning to business ownership and offer funding programs that recognize their discipline, leadership, and commitment.
- Preferred programs
- Fast-track processing
- Flexible requirements
Minority-Owned Businesses
Minority entrepreneurs face systemic barriers to accessing business capital. Our marketplace model helps level the playing field by connecting minority-owned businesses with multiple lending partners who evaluate the whole picture, not just traditional banking metrics.
- Multiple lender options
- Fair evaluation
- Inclusive programs
Startups (6+ Months)
Traditional banks typically require 2+ years in business, leaving new entrepreneurs without options. We work with businesses that have been operating for at least 6 months with minimum $10,000 in monthly revenue. If your startup is generating revenue, we can help you access growth capital.
- 6+ months in business
- $10K+ monthly revenue
- Growth-focused funding
Bad Credit Businesses
A low credit score should not prevent you from growing your business. Our lending partners look at the overall health of your business — revenue, cash flow, time in business, and industry — not just your personal credit score. Many of our clients have been approved with scores below 550.
- No minimum credit score
- Revenue-based evaluation
- Second chance funding
ITIN Holders
If you have an Individual Taxpayer Identification Number instead of a Social Security Number, you can still qualify for business funding. We are one of the few marketplaces that works with ITIN holders, helping immigrant entrepreneurs access the capital they need to build their American dream.
- ITIN accepted
- Bilingual support
- $5K - $500K available
Our Commitment to Inclusive Funding
At Merchant Fund Express, we believe that access to capital should not be determined by gender, race, credit history, or immigration status. The traditional banking system has historically underserved many segments of the business community, creating barriers that prevent talented entrepreneurs from reaching their full potential.
Our marketplace model was designed to break down these barriers. By connecting businesses with a diverse network of lending partners, we create more pathways to funding for every type of business owner. Our lending partners evaluate the whole picture — revenue, cash flow, business potential, and industry dynamics — rather than relying solely on traditional metrics like personal credit scores or years in business.
The Numbers Tell the Story
Consider these facts about business funding in America:
- Women-owned businesses receive only 16% of conventional business loans despite representing 42% of all businesses
- Minority business owners are approved for loans at rates significantly lower than their white counterparts
- Nearly 80% of small business loan applications at large banks are denied
- Businesses with less than 2 years of history are rejected by most traditional lenders
- Millions of ITIN-holding entrepreneurs have virtually no access to traditional business credit
These are not just statistics — they represent real entrepreneurs with real businesses and real potential being left behind. Merchant Fund Express exists to change this reality.
How We Make a Difference
Our approach to inclusive funding includes several key elements:
- Multiple lending partners — If one lender says no, others may say yes. Our broad network increases approval chances for every applicant
- Revenue-based evaluation — Many of our products focus on business revenue and cash flow rather than personal credit, opening doors for business owners with challenged credit
- Bilingual support — Our team serves clients in both English and Spanish, ensuring language is never a barrier to accessing funding
- ITIN acceptance — We work with entrepreneurs who use ITINs, providing funding access that is unavailable at most traditional institutions
- Low minimums — With funding starting at $5,000 and business age requirements as low as 6 months, we serve businesses at earlier stages than most competitors
- Fast processing — Our streamlined process means less time waiting and more time growing your business
Every Entrepreneur Has a Story
Behind every funding application is a story of ambition, hard work, and dedication. The single mother turning her catering side hustle into a full-time business. The veteran applying military discipline to build a construction company. The immigrant family opening their first restaurant. The entrepreneur rebuilding after financial setbacks.
We hear these stories every day, and they drive our mission to make business funding accessible to all. When you apply through Merchant Fund Express, you are not just a number on a spreadsheet. You are an entrepreneur with a vision, and we are here to help you achieve it.
Every Business Deserves a Chance to Grow
Apply today and discover the funding options available for your business
Apply Now (305) 384-8391