Apply online in 5 minutes with 3 months of bank statements. A dedicated specialist calls the same day. If approved, funds hit your business bank account within 24 hours. No collateral required, no prepayment penalties, ITIN accepted. Credit scores as low as 500 considered.
Getting business funding from Merchant Fund Express is straightforward, fast, and transparent. Unlike traditional banks that take weeks and demand years of financial history, we evaluate your business based on what it is doing right now — your monthly revenue, your cash flow, your bank statements. Our entire process is designed to get capital in your hands as quickly as possible without unnecessary friction. Here is exactly what happens from the moment you submit your application to the moment funds land in your account.
From first click to funded account — here is every step in detail
Complete the 5-Minute Application
Fill out our secure online application with basic business information: your business name, time in business, average monthly revenue, and intended use of funds. Upload your last 3 months of business bank statements. No SSN required — ITIN accepted. No application fee. Takes 5 minutes or less.
Speak With Your Dedicated Specialist
A real human funding specialist reviews your file and calls you the same business day. No automated rejections, no faceless algorithm making the call. Your specialist evaluates your revenue trends, cash flow patterns, and funding needs to find the right product and terms for your business.
Receive Your Funding Offer
Your specialist presents a clear, transparent offer: funding amount, factor rate or APR, repayment term, and payment structure. Everything is spelled out in plain English before you make any decision. We do not hide fees in fine print. You will understand every number before you sign anything.
Review and Accept — On Your Terms
Take the time you need. Ask questions. Request changes. There is zero pressure to sign on the spot. Once you are fully comfortable with the terms and understand exactly how repayments work, you digitally sign your agreement. The whole review-and-sign process typically takes under 30 minutes.
Funds Deposited to Your Account
Once signed, funds are wired or ACH deposited directly into your business bank account — often the same day, typically within 24 hours. No waiting 30 days. No check in the mail. Capital is available immediately upon deposit to use however your business needs it most.
Ongoing Support and Renewal Funding
Your dedicated specialist stays with you for the life of your funding. No hand-offs, no call centers, no explaining your business from scratch every time. When you have paid down a portion of your balance, renewal funding is available — often at better rates. Growth is a relationship, not a transaction.
We fund based on your business's current performance, not its history
Monthly Revenue
We look at what your business is earning now. Strong monthly revenue signals repayment ability better than any credit score alone.
Cash Flow Consistency
Regular deposits tell the story. We want to see that money moves through your account, not that it's perfectly managed. Seasonal businesses welcome.
Time in Business
Just 3 months in business is enough to qualify. You do not need 2 years of operating history or a decades-old tax return.
Business Bank Account
A dedicated business checking account is the main requirement — not collateral, not property deeds, not personal asset pledges.
See exactly how we stack up against traditional banks and other online lenders
| Feature | Traditional Banks | Other Online Lenders | Merchant Fund Express |
|---|---|---|---|
| Application Time | 2–4 weeks | 30–60 minutes | 5 minutes |
| Credit Score Required | 700+ | 600+ | 500+ OK |
| Time in Business | 2+ years | 1+ year | 3+ months |
| Collateral Required | Yes | Sometimes | Never |
| ITIN Accepted | No | Rarely | Yes |
| Approval Rate | ~20% | ~50% | Industry-High |
| Funding Speed | 30–90 days | 3–7 days | Same day – 48 hrs |
| Prepayment Penalties | Yes | Sometimes | Never |
| Dedicated Specialist | No | No | Always |
Six funding solutions for every type of business need
Not sure which product fits? Your specialist will recommend the best option for your business during your consultation call.
Less paperwork than any bank. Here is everything we need:
3 Months Business Bank Statements
The most important document. Shows your cash flow, deposit consistency, and revenue volume. PDFs directly from your bank preferred.
Government-Issued Photo ID
Driver's license, passport, or state ID. Foreign national IDs accepted when combined with ITIN documentation.
Voided Business Check
For ACH setup to deposit your funds and process repayments. This must be a business account — not a personal check.
Basic Business Information
EIN (Employer Identification Number) or ITIN, business legal name, start date, and state of formation. That is all.
Last 2 Years Tax Returns Optional
Not required to qualify, but providing tax returns can help unlock higher amounts and better factor rates on your offer.
Who Qualifies?
- In business 3+ months
- Monthly revenue $10,000+
- Active business bank account
- No open bankruptcies
- Credit score 500+ (flexible)
- ITIN holders welcome
- Previously declined applicants welcome
- Sole proprietors, LLCs, corporations, S-corps
Not sure if you qualify? Call (305) 384-8391 — a specialist will tell you in 5 minutes.
ITIN Business Funding
If you do not have a Social Security Number, we accept your Individual Taxpayer Identification Number (ITIN). Many immigrant-owned businesses and non-citizen business owners use our ITIN funding program to access capital they cannot get anywhere else.
A real walkthrough of the funding process from application to funded
Maria's Miami Restaurant Gets $75,000 in 28 Hours
Maria owns a restaurant in Miami generating $85,000 per month in revenue. She needed capital to hire staff for the summer season — fast. Her bank declined her because she had only been in business 14 months.
"The process was so fast I couldn't believe it. The specialist explained everything clearly, no pressure, no surprises. Hired 4 staff members the same week." — Maria R., Miami FL
Everything you need to know before you apply