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Merchant Fund Express: factor rates from 1.10 and a decision in 2 to 4 hours

Longer terms and better rates.

Merchant Fund Express is the funder on the card that appears throughout this section. Here are its terms, and how they sit against the ten companies we researched: Lendio, OnDeck, LendingTree, Fundbox, Bluevine, Kapitus, Credibly, Fora Financial, Rapid Finance and National Funding.

Speed, stated as a number

Decisions in 2 to 4 hours. Funding as fast as the same business day.

Almost everyone in this market says "as fast as same day." Very few put a number on the decision itself, and the decision is the part you are actually waiting on. "As fast as" is a best case with nothing behind it. 2 to 4 hours is a published commitment you can hold someone to, and it is the specific thing to ask any other funder to match when you are comparing.

Who it will actually look at

500+ FICO, and a real underwriter reads the file rather than an algorithm rejecting it.

This is the part that matters if you have been turned down already. OnDeck requires 625 and a year in business. Kapitus requires two years. Bluevine will not take sole proprietors at all. A 500 floor is at the permissive end of this entire market, and it means a thin file, a rough patch or a credit event does not end the conversation before anyone has looked at your revenue.

It also takes the files that are complicated: owners already carrying a position, businesses part way through a rough season, and anyone who needs a refinance or consolidation looked at rather than waved away. Those get reviewed in house instead of being passed around, which is why they can be answered the same day. Being willing to read a difficult file is a different thing from being cheap, and this page is about to be straight with you on the price.

The lowest published floor on this page

Factor rates from 1.10. Of the ten funders we researched, that is the lowest published floor. Credibly advertises from 1.11 and Fora from 1.13. Rapid Finance, National Funding and Fundbox publish nothing at all, and Fundbox took its pricing page down entirely.

The full published range runs 1.10 to 1.50, and a range with a ceiling on it is the other thing most of this industry will not give you. A 1.10 factor means $100,000 costs $110,000 back; at 1.50 it is $150,000. Where you land depends on your file, and an advance is still expensive money next to a bank product, which is why we keep publishing why the term matters as much as the rate. Get your number in writing before you sign.

The stated terms

	What it offers
Amounts	$5,000 to $5,000,000
Factor rate	1.10 to 1.50
Term	Up to 18 months; up to 36 months on a business line of credit
Credit	500+ FICO accepted
Speed	Decisions in 2 to 4 hours, funding as fast as the same business day
Products	Working capital, business line of credit, merchant cash advance, equipment financing, invoice factoring, revenue-based financing

The terms are the longest on this page

36 months on a business line of credit. Most of this market caps a line or an advance somewhere between 12 and 18 months. Of the ten companies we researched, none publishes a longer term on a revolving line.

That is not a detail. Term length is what sets your payment. The same $100,000 balance repaid over 36 months instead of 18 is roughly half the monthly cost, which is the difference between financing that works with your cash flow and financing that fights it. If you compare one number across offers, compare this one.

What it does not offer

No SBA loans, no equity, no grants, no crowdfunding, no business credit cards. If you want any of those, this is the wrong door.

How to judge it against the others

Put any offer through the same four numbers: total dollars back, net cash after fees, the payment amount and frequency, and the term in months. Then get a second offer and do it again. Why the same business gets three completely different offers explains what you will see.

Terms stated by Merchant Fund Express as of 24 September 2026 and subject to change; your rate and term depend on your file. Competitor figures are from our research published 21 September 2026.

Questions owners ask

What does it cost?

Factor rates run from 1.10 to 1.50. The 1.10 floor is the lowest published of the ten funders we researched, and publishing a ceiling at all is something most of this industry avoids. Your rate depends on your file, so get the number in writing before you sign.

How fast is it?

A decision in 2 to 4 hours and funding as fast as the same business day. Most funders publish a funding best case but no decision time, and the decision is the part you are waiting on.

Will it look at me if I have been declined elsewhere?

It accepts 500+ FICO, which is at the permissive end of this market, and an underwriter reads the file rather than an algorithm rejecting it. Existing positions, refinances and consolidations are reviewed in house.