Traditional lenders run hard credit checks that can ding your score before you even see an offer. MFE uses a soft pre-qualification and evaluates your application on bank statements and monthly revenue — the actual performance of your business.
Apply — Soft Pull Only (305) 384-8391The term "no credit check business loan" is widely searched, but it requires a clear explanation. Truly zero-credit-check loans from legitimate lenders are extremely rare. What most business owners are looking for — and what MFE provides — is a financing option where credit is not the primary factor and where the initial inquiry does not damage their score.
At Merchant Fund Express, the pre-qualification process uses a soft credit pull. This does not appear on your credit report and does not reduce your FICO score. You can see your options without any impact. A hard inquiry only occurs after you review a formal offer and choose to proceed.
More importantly, MFE's underwriting is revenue-first. A business generating $20,000 per month in consistent deposits is a strong candidate regardless of whether the owner's personal credit score is 520 or 680. Your bank statements tell the real story of your business's health — and that is what we base our decisions on.
A revenue-based underwriting model looks at your business's actual financial performance.
The core of MFE's underwriting. We look at total monthly deposits, average daily balance, and deposit frequency to understand business health.
Is revenue growing, stable, or declining? Growing or stable revenue at any level is viewed positively. Sharp declines raise questions that need explanation.
A positive ADB tells underwriters that the business isn't depleting its account between deposits — a signal of financial stability.
6+ months of operating history is preferred. The longer you've been in business, the more data exists to evaluate your application confidently.
Outstanding advances or loan positions are reviewed to ensure the business can sustain additional payment obligations.
For invoice factoring applications, the focus shifts entirely to the creditworthiness of your customers — not your own credit at all.
Products ranked by how little personal credit matters in the approval decision.
| Product | Credit Weight | Primary Approval Factor | Funding Speed | Amount Range |
|---|---|---|---|---|
| Invoice Factoring | Very Low | Customer/invoice quality | 24–48 hrs | $10K–$2M |
| Merchant Cash Advance | Low | Monthly deposit volume | 24 hrs | $5K–$500K |
| Revenue Based Financing | Low–Moderate | Consistent monthly revenue | 24–48 hrs | $10K–$1M |
| Equipment Financing | Moderate | Equipment as collateral | 48–72 hrs | $10K–$500K |
| Working Capital Loan | Moderate | Revenue + credit combo | 24–48 hrs | $25K–$500K |
| Business Line of Credit | Higher | Credit + revenue | 2–5 days | $10K–$250K |
How it works: You receive a lump sum. Repayment comes as a percentage of daily bank deposits until the advance plus fee is repaid.
Credit role: Soft pull for pre-qualification. Revenue volume is the primary driver.
Best for: B2C businesses, retail, restaurants, service companies with consistent daily/weekly deposits
Minimum: ~$10K/month deposits, 6+ months TIB
Learn MoreHow it works: You sell outstanding B2B invoices at a discount. The factoring company advances 70–90% immediately and remits the balance (minus fee) when the customer pays.
Credit role: Your credit is nearly irrelevant. Customer credit is what matters.
Best for: B2B businesses (construction, trucking, staffing, wholesale) with outstanding receivables
Minimum: Legitimate outstanding invoices from creditworthy customers
Learn MoreBasic business information is needed. No hard credit pull at this stage. Apply at MFE's application page.
This is the core of underwriting. Statements should show your business's actual monthly deposit volume. Clean, consistent statements speed up the process.
An underwriter reviews your application and issues an offer. You see the exact amount, factor rate, total payback, and payment schedule before committing.
Accept the offer and sign the agreement. Funds are deposited to your business account — typically within 24 hours.
Soft pull only. Revenue-first underwriting. Funds in 24 hours.
Apply Now (305) 384-8391Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.