We've funded over $500M in business capital since 2015. Here's our story.
Merchant Fund Express exists to remove barriers to business growth. We believe that hardworking entrepreneurs shouldn't have to fight banks and bureaucracy to get the capital they need. We provide alternative funding solutions that work with your business, not against it. Our mission is to make business funding fast, transparent, and accessible to any legitimate business that needs it.
Total Capital Deployed
Businesses Funded
Team Members
Average Funding Speed
When your business needs capital, delays cost money. We deliver approval and funding in hours, not weeks.
No hidden fees. No surprises. You know exactly what you're getting and what it costs before you sign.
We've built products that work with business reality. Repayment that scales with your revenue, not fixed schedules that don't match your cycles.
You get a dedicated relationship manager, not an automated system. Someone who knows your business and supports your growth.
We specialize in funding businesses where traditional banks say "no." Our underwriting team has deep expertise in:
✓ Real Underwriters
Your application is reviewed by a person, not an algorithm. We consider your full business picture.
✓ Proven Lender
Over a decade of experience, trusted by thousands of businesses across the US.
✓ Flexible Products
MCA, working capital, equipment financing, or RBF. We have a solution for your situation.
✓ No Hidden Costs
Everything is disclosed upfront. No surprises when you sign.
✓ Nationwide Coverage
We fund businesses in all 50 states, coast to coast.
✓ 24/7 Support
Your dedicated account manager is always available when you need help.
Ready to see what we can fund for your business? Apply online in minutes. No in-person visit required. Most businesses get approved within 24 hours.
Questions first? Call us at (305) 384-8391
Merchant Fund Express operates under federal lending guidelines and state regulations. We maintain compliance with all applicable laws and regulations governing alternative business financing.
See what our customers say about us on Trustpilot, Google Reviews, and the Better Business Bureau. Thousands of businesses have received funding through us and rated their experience.
We disclose all rates, terms, and fees upfront. Our team provides clear explanations so you fully understand what you're getting into before signing any paperwork.
Based in Miami, Florida, we serve legitimate businesses in all 50 states. Our team understands regional markets and has experience funding businesses across diverse industries and geographies.
| Product Type | Funding Range | Timeline | Key Requirements |
|---|---|---|---|
| Working Capital | K - 0K | 24-48 hours | 6 months in business, K+/month revenue |
| Merchant Cash Advance | K - 0K | 24-72 hours | 3 months in business, K+/month revenue |
| Line of Credit | K - 0K | 48-72 hours | 1 year in business, K+/month revenue |
| Equipment Financing | K - 0K | 3-5 days | 6 months in business, equipment purchase |