Seven ways to fund the business
One application is reviewed against all of them. A specialist matches your file to the product that fits, rather than fitting you to a product.
Working Capital
- Payroll, inventory, a slow season
- An opportunity that will not wait
- Same-day decision
Business Line of Credit
- Draw what you need, when you need it
- Reuse the line as you repay
- Only pay for what you use
Equipment Financing
- Vehicles, machinery, equipment
- Secured by the asset itself
- Prices below unsecured funding
Invoice Factoring
- Advance against invoices already issued
- Stop waiting 30 to 90 days
- Underwritten on your customer
Merchant Cash Advance
- An advance against future card and bank revenue
- Funds files a loan will not
- Fastest route to capital
MCA Refinance & Buyout
- Already carrying an advance?
- Buy out or restructure the position
- Move off daily debits
Revenue-Based Financing
- Sized and repaid in line with performance
- Payment moves with your revenue
- No fixed daily debit
Built for speed, not paperwork
No tax returns. A 4-minute application and three months of bank statements is usually enough for a specialist to reach a decision.
From application to funded
Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
Send statements
Three months of business bank statements. No tax returns required.
Same-day decision
Reviewed against every product, then matched to the one that actually fits the file.
Funded next day
Next-business-day funding once the file is complete and signed.
Part of the Merchant Fund Express network
mfedirect.com is a direct application entry point operated as part of the Merchant Fund Express funding network. Applications submitted here are reviewed by the same underwriting team and processed identically.
Looking for published rates and exact terms before you apply? Our terms site lists every amount, rate, fee and qualification threshold up front.