Find answers to common questions about business funding, approvals, requirements, and our products.
Most businesses receive approval within 24 hours of submitting complete documentation. We review applications the same business day and can fund in as soon as 48 hours. The speed depends on your documentation completeness and the funding type you select.
Day 1: Submit application | Day 1: Initial review | Day 2: Document verification | Day 2-3: Approval decision | Day 3: Funds deposited. We can move faster with complete documentation.
Your application is reviewed by a real person, not just an automated system. This allows us to consider your full business picture beyond credit scores, which means you have better approval odds.
Merchant Cash Advances: 500+ | Working Capital: 550+ | Equipment Financing: 500+ | Revenue-Based Financing: 550+. We evaluate applications holistically beyond credit scores, considering revenue, industry, and time in business.
Yes. While traditional banks focus heavily on credit scores, we consider your overall business health. If you have 12+ months of operating history and consistent revenue, you can qualify for an MCA or revenue-based loan even with credit challenges.
Recent payment issues make approval harder but not impossible. We look at your current business performance and trajectory. Businesses with improving cash flow and consistent revenue have strong approval odds even with past credit challenges.
Most products require 12+ months of operating history. Some merchant cash advances can work with 6+ months if you have strong processing history. Contact us with your specific timeline.
Minimum: $5,000 | Maximum: $5,000,000 depending on product and your business. Merchant Cash Advances: $5K-$500K | Working Capital: $10K-$1M | Equipment Financing: $15K-$2M | Revenue-Based Financing: $20K-$5M.
We analyze your monthly revenue, industry, business type, and intended use to determine the right amount. For MCAs, your daily card processing is key. For working capital, your monthly cash flow matters most.
Absolutely. Tell us exactly how much you need. We'll determine the maximum we can approve and present options based on your business profile.
Repayment depends on your funding type:
MCA: Daily payment splits from credit card revenue (percentage of daily sales) | Working Capital: Fixed monthly payments | Equipment: Traditional term-based monthly payments | Revenue-Based: Flexible ACH payments as a percentage of monthly revenue.
MCA: 4-18 months depending on payback amount and daily volume | Working Capital: 3-24 months depending on loan structure | Equipment: Up to 60 months | Revenue-Based: Varies based on revenue growth.
Many of our products allow flexible prepayment with no penalties. MCAs typically have no prepayment penalty. Working Capital and Equipment Financing terms vary. Contact us to discuss prepayment flexibility for your specific situation.
Yes. Our merchant cash advance is ideal for businesses with $10K+ monthly card processing. You receive a lump sum upfront and repay through a percentage of daily credit card sales until your payback amount is reached.
MCA: Best for card-heavy businesses—repayment is a percentage of daily sales. Working Capital: Best for all businesses—fixed monthly payments. Choose based on your business model and cash flow preferences.
Yes. Equipment financing lets you acquire machinery, POS systems, kitchen equipment, vehicles, and more with terms up to 60 months. Perfect for scaling operations without draining cash reserves.
Revenue-based financing (RBF) is ideal for growth-stage businesses. You get capital upfront and repay a fixed percentage of monthly revenue via ACH until you've repaid the agreed total. Repayment scales with your business.
Absolutely. Restaurants, cafes, food trucks, and catering businesses are among our strongest customer segments. We understand restaurant cash flow challenges and offer tailored solutions for your industry.
We serve most legitimate businesses. We cannot fund: illegal activities, gambling, cannabis/CBD products, adult entertainment, or high-risk sectors. If you're unsure, ask us—we'll tell you straight.
Typically required: (1) Business license, (2) 3-6 months bank statements, (3) Last 2 years tax returns, (4) Credit card processing statements, (5) Personal identification. For specific industries, we may request additional docs.
Completely online. Submit your application and documents via our secure portal. You can do it from anywhere—no in-person visit required. We're in Miami, but we fund businesses nationwide.
You'll have a dedicated relationship manager who keeps you updated. You can also log into your account portal to see real-time status, or call us anytime at (305) 384-8391.
Rates vary by product and your credit profile. MCA: Factor rates of 1.1-1.5x | Working Capital: Rates vary based on credit | Equipment: Competitive market rates. We'll give you exact terms before you commit.
No. We disclose all costs upfront. No surprises. You'll see the exact amount due, repayment terms, and any fees before you sign.
Phone: (305) 384-8391 | Email: info@merchantfundexpress.com | Hours: Monday-Friday 8AM-8PM EST. We respond to emails within 1 hour during business hours.
Yes. You'll have a dedicated relationship manager who understands your business, answers your questions, and supports your growth. Personal service is part of our model.
Call us. (305) 384-8391. Our team is here to answer your specific questions and help you find the right funding solution for your business.
| 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 |
Expertise: 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.