Dinero Para Mi NegocioMerchant Fund Express works with a network of funders organized across four qualification tiers — with two products available at the top tier — because a 10-year-old company with great credit and a 6-month-old business rebuilding after a rough year need different things. Here's an honest look at where your business likely fits.
Key takeaways
- Time in business, credit, and revenue are what move a file from one tier to another
- One application lets your file get reviewed against all four options
- Applying doesn't commit you to accepting any offer
Compare the four options at a glance
| Option | Time in business | Credit | Monthly revenue |
|---|---|---|---|
| Line of credit up to $350,000 | 3+ years | 650+ | $25,000+ |
| Term loan up to $250,000 | 3+ years | 650+ | $25,000+ |
| Growing business | 6 months–1 year+ | 500–550+ | $8,000–$25,000+ |
| Second look | 6 months+ | As low as 500s, case by case | Reviewed individually |
Not sure which one fits?
You don't need to guess. Apply once and Merchant Fund Express reviews your file against all four options in its network — you'll be told plainly which fits, what it costs, and what it would take to qualify for better terms later.
Apply with Merchant Fund Express in 60 seconds. Decisions in 2–4 hours.
Frequently asked questions
What if I'm not sure which tier fits?
Apply once — Merchant Fund Express reviews your file and matches it to the right tier itself. You don't need to guess.
Can I move from one tier to another over time?
Yes. Businesses commonly start at Growing Business or Second Look and move into Established Business terms as revenue and credit history build.
Does applying commit me to anything?
No. One secure application shows your real options, and you decide whether to accept any offer.
