Dinero Para Mi NegocioSome businesses get turned away for reasons that don't reflect how they actually run day to day — a rough credit year, an industry banks are cautious about, or a file that just doesn't fit a rigid checklist. Merchant Fund Express reviews these files by hand against funders in its network built to look past a single number.
Key takeaways
- Personal credit as low as the 500s, reviewed case by case
- 6 months or more of real operating history
- A prior default, judgment, or bankruptcy doesn't automatically rule you out
- Industry is checked before anything is quoted
Who this is generally built for
- Personal credit score: approvals exist as low as the 500s; some funders consider files case by case below that
- Time in business: generally at least 6 months of real operating history
- Past credit events: a prior default, judgment, or bankruptcy doesn't automatically rule you out — timing and documentation matter
- Industry: some industries face more caution than others; the fit is checked before you're quoted anything
These are general patterns across Merchant Fund Express's funder network, not a promise for any single file. Some industries and situations still can't be placed, and you'll be told plainly if that's the case.
What to expect
Terms here typically cost more than an established-business offer — that trade-off is what makes funding possible where a bank says no. Amount, term, and pricing are set file by file. Ask for the full repayment total in writing before you accept any offer, and ask what would need to change to qualify for better terms next time.
Apply with Merchant Fund Express in 60 seconds. Decisions in 2–4 hours.
How to move forward
One honest application is the only way to see your real options — guessing from a checklist online won't tell you what a real underwriter will say. Merchant Fund Express reviews your file and tells you plainly what's available, what it costs, and what would help next time. No pressure to accept anything you see.
Frequently asked questions
I was declined elsewhere — is it worth applying again?
Often, yes. Different funders weigh credit, industry, and cash flow differently, so a decline in one place doesn't mean a decline everywhere.
Does my industry matter?
Yes — some industries face more caution from funders than others. This is checked before you're shown any offer, so you're not quoted something that won't hold up.
Will this cost more than a typical business loan?
Usually. Funding that looks past credit history or a harder industry typically costs more than a bank loan or an established-business line. You'll see the full cost before deciding.
What if I have an open bankruptcy?
Most funders require a bankruptcy to be discharged or dismissed, with documentation, before they'll consider a file. Ask specifically about your situation when you apply.
