98% Approval Rate — Same-Day Funding Available — No Tax Returns Required Under $250K
Apply in 4 Minutes → Call (305) 384-8391A 750 FICO places you in excellent credit territory and unlocks premium business financing pricing. You will see the lowest factor rates, longest terms (up to 7 years), highest approval amounts, and access to revolving credit lines with prime+1 to prime+4 pricing.
Based on a 750 credit score combined with typical business cash-flow qualifications, here are the products in your funding band:
With a 750 FICO, you have leverage. Lenders will quote you their best pricing, including APRs that approach or match bank lending, terms up to 12-84 months, and funding amounts up to $25K – $5M. Factor rates on revenue-based products will land between 1.08 – 1.20, but at this credit tier you should usually prefer term loans or lines of credit over MCA — better economics, simpler accounting.
You also qualify for prepayment discounts, fee waivers, and rate locks. Always ask. A 750 credit score is a negotiating asset and you should use it.
Our application process is intentionally lean. For a 750 credit score, here is what you will need to submit:
No tax returns required for funding amounts under $250,000 regardless of credit score.
Alternative business lenders do not weight personal FICO the way mortgage lenders or auto lenders do. The underwriting model at a 750 credit tier looks like this:
Submit your 4-minute application and a funding specialist will contact you within 2 hours during business hours. We will request 3 months of bank statements (via secure upload or Plaid connection) and run your file against our active lender network. Pre-qualified offers come back within 4-24 hours. You review terms, e-sign the contract you like, and funds hit your business account via ACH within 24-48 hours.
No upfront fees. No application fees. No commitment until you sign a specific offer with terms you accept.
Yes. Merchant Fund Express has funded thousands of businesses across every credit tier including 750. Personal credit is one of seven factors we weigh — alongside monthly revenue, deposit consistency, time in business, industry, existing debt, and average ledger balance. Strong cash flow can fully offset a 750 FICO.
No. We use a soft credit pull during pre-qualification, which has zero impact on your FICO. A hard pull only occurs if you accept an offer and proceed to formal closing — and even then, the impact is typically 5-10 points and recovers within 60-90 days.
$15,000 per month in business deposits is our floor for most products. Some receivables-based products like invoice factoring have lower thresholds because we underwrite the receivable, not the business cash flow.
Same-day funding is available for files submitted before 11 AM ET with complete documentation. Standard timeline: pre-qualification in 2-4 hours, signed offer within 24 hours, ACH funding within 24-48 hours of signed contract.
Depends on the product. Merchant cash advances have no traditional prepayment penalty because they use factor rates — you still owe the full payback amount even if paid early, though some lenders offer 'early payoff discounts' of 10-20%. Term loans may include prepayment penalties; we negotiate those out whenever possible and disclose them upfront.
Yes, with conditions. We fund second-position and even third-position MCAs, but the math has to work — total daily/weekly payment obligations cannot exceed roughly 30% of your average daily deposits. We will analyze your bank statements and tell you immediately whether stacking another advance is responsible or whether you should consolidate first.
98% approval rate at 750 FICO. Same-day funding available. No upfront fees.
Start My Application →Or call (305) 384-8391
Recent fundings. Individual results vary; funding subject to approval.