Dinero Para Mi NegocioNot every business fits the strong-credit box, and that's fine. This tier is built for companies still building a track record: newer to funding, rebuilding credit, or growing faster than their paperwork looks on paper. Merchant Fund Express matches your file against funders in its network built for exactly this stage.
Key takeaways
- 6 months to a year or more in business
- Personal credit often 500–550 and up
- Monthly revenue generally $8,000–$25,000 or more
- Smaller amounts, shorter terms, room to grow into better pricing
Who this is generally built for
- Time in business: as little as 6 months to a year
- Personal credit score: often 500–550 and up
- Monthly revenue: generally $8,000–$25,000 or more, with consistent deposits
- Ownership: majority owned by the applicant
These are general guidelines, not a hard cutoff. Funders weigh the whole file — a strong deposit pattern can outweigh a thinner credit file.
What kind of funding this usually looks like
- Amounts generally start in the low five figures and scale with revenue
- Terms are usually shorter — often under a year
- Pricing reflects the shorter track record, and improves as the business builds history
The exact number only shows up after you apply — a rate is never guessed before your file is reviewed.
Apply with Merchant Fund Express in 60 seconds. Decisions in 2–4 hours.
How this grows with your business
A first approval here is often the fastest way to build the track record that unlocks established-business terms down the road. Every funded file is a chance to build the history the next offer is based on.
Frequently asked questions
What if my business is less than 6 months old?
Merchant Fund Express reviews every application against its full network. Even a very new business is worth applying — you'll be told plainly if it's not the right time yet.
Will my rate be worse than an established business's?
Usually, yes — pricing reflects the shorter track record. It typically improves at renewal once you've built payment history.
Does applying hurt my credit?
Practices vary by product and funder. Ask about the credit check method for any offer before you accept it.
