Growth capital while your credit work continues. Here is how our partner's application runs, what it needs and what you see before you commit.
Start the applicationHow it works
Merchant Fund Express focuses on the revenue your business produces now. Knowing the steps ahead of time makes the file faster.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A soft pull opens the review. Your credit work with us is not affected.
Deposits, balances and existing payments carry most of the weight. FICO 500 and up is considered.
Amount, schedule and total repayment are all in writing before you accept.
Qualified businesses can be funded in as little as 24 hours after signing.
Many TrueCredit Partners clients are scaling: a new location, a bigger contract, more inventory. Their credit report is still catching up with the business. Merchant Fund Express is the funding partner we chose for that situation, and its process is short when you come prepared.
| Step | What happens |
|---|---|
| Application | About five minutes through our funding application, routed to Merchant Fund Express. |
| Statements | Three months of business bank statements as PDFs. No tax returns for a typical first review. |
| Review | The partner reads how money moves through the account and may ask a quick question. |
| Written offer | The amount, the payment and how often, and the total you repay. |
| Funding | After you sign, qualified businesses can be funded in as little as 24 hours. |
| Document | What to send | Why it matters |
|---|---|---|
| Bank statements | Last three full months | Core of the review |
| Month-to-date | If past mid-month | Shows current activity |
| ID | Each owner | Identity |
| Voided check | Business account | Funding destination |
| Debt list | Any current advance or loan payments | Sizes a payment you can carry |
Use the same legal business name on everything, include every page of each statement, and list any current advances honestly. Missing pages are the most common reason a file slows down.
Separate three things: what lands in your account, what you pay back in total and the size and timing of each payment. The payment matters most day to day. Test it against your slowest recent month. If it is tight, ask for less or a longer schedule. You are free to decline any offer.
The partnership serves established businesses, generally doing $60K or more a month. TrueCredit Partners does not make funding decisions; Merchant Fund Express does, based on its own review.
Credit repair and business funding are separate services. Credit repair is not required to apply, funding does not improve a credit score, and every offer is subject to Merchant Fund Express's review. Learn more about our funding partner or read how business funding works.
No. Business funding is provided through our partner, Merchant Fund Express, which makes all funding decisions.
No. Those are separate services. You can apply for business funding based on revenue at any time.
Qualified businesses can be funded in as little as 24 hours after signing. Missing statements are the most common reason a file slows down.
FICO 500 and up is considered. Stronger credit usually means better offers.
You can decline it, or ask about a smaller amount or a different schedule. There is no obligation.
Example uses for illustration only.
Funding is reviewed on its own terms, so focus on what the partner actually reads.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding