Dinero Para Mi NegocioOne of the stronger credit lines available for businesses with a track record: up to $350,000, terms up to 36 months, with rates as low as 12% annually for businesses that qualify. It's a fit for companies that have already proven themselves, not a startup's first funding.
Key takeaways
- Up to $350,000 in revolving credit
- Terms up to 36 months
- Rates as low as 12% annually for qualifying businesses
- Draw what you need, repay it, and the available credit opens back up
What this line of credit offers
- Credit limit: up to $350,000
- Term: up to 36 months
- Rate: as low as 12% annually for the strongest files
- Structure: revolving — draw, repay, and the line replenishes
Exact rate and limit depend on the file. A newer or thinner file may still qualify for a smaller line or a different product.
Do you qualify?
- Time in business: 3+ years
- Personal credit score: 650+
- Monthly business revenue: $25,000 or more
- Ownership: at least 50% owned by the applicant
- Business type: LLC or corporation
- Location: available in most states
These are general guidelines a strong file usually meets, not a guarantee either way. If your business doesn't check every box, it's still worth applying — Merchant Fund Express will say plainly if this specific product isn't the fit and show what is.
Apply with Merchant Fund Express in 60 seconds. Decisions in 2–4 hours.
How it compares to a term loan
- Line of credit (this product): up to $350,000, terms up to 36 months — best for recurring or unpredictable needs
- Term loan: up to $250,000, terms up to 18 months — best for one planned cost with a known price
See the full side-by-side in our funding comparison guide.
Frequently asked questions
Does Merchant Fund Express lend the money itself?
No. Merchant Fund Express works with a network of funders to match your business with the option that fits your file — it does not lend directly.
What if my business doesn't qualify for this specific line?
Merchant Fund Express reviews your file against several products in its network. If this line isn't the right fit, you'll be shown other options that better match your business.
How is the rate on my offer decided?
Rate and limit are set by the funder based on your file: time in business, revenue, deposits, and credit. "As low as 12%" describes the strongest files, not every approval.
What states is this available in?
This line of credit is available in most states. Apply to see if your business qualifies.
