TrueCredit Partners works on credit. For capital, established businesses doing $60K+ a month can apply with Merchant Fund Express, from $25K to $5M.
Meet the partnerOur Funding Partner
Business funding is provided through our partner, Merchant Fund Express, and you can apply on revenue now while working on credit separately.
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.
Qualified businesses can be funded in as little as 24 hours. A 5-minute application, about three months of statements, and no tax returns.
FICO 500+ is considered, the first look is a soft pull, and revenue carries weight in the decision.
You see the full repayment amount before you accept, and there are no surprise costs after you sign.
Working capital, merchant cash advance, line of credit and equipment financing, each with repayment laid out up front.
Many of the owners we talk with are in the middle of two projects at once: scaling a business that already brings in strong revenue, and cleaning up or building credit along the way. Waiting for the second project to finish before funding the first can cost momentum. We wanted a partner whose review looks hard at real cash flow, so owners can pursue capital based on how the business performs today.
That partner is Merchant Fund Express. All business funding offered on this site is provided through them.
The program is built for established businesses doing $60,000 or more a month whose credit is not perfect. FICO from 500 is considered. Sole proprietors can apply. It is not designed for pre-revenue startups or personal needs.
| Product | Generally used for |
|---|---|
| Working capital | Payroll, hiring, marketing, stock |
| Merchant cash advance | Fast capital repaid from future sales |
| Business line of credit | Flexible draws for recurring needs |
| Equipment financing | Vehicles, machinery, tools |
Amounts range from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
See how business funding works for each step in detail.
Credit repair with TrueCredit Partners and funding through Merchant Fund Express are independent. Credit repair is not required to apply, it does not determine a funding decision, and funding does not change your credit score. You can use one, the other, or both. Many forward-looking owners apply for capital based on revenue now while separately building toward stronger business credit for future financing. Our business credit guide covers that second track.
Merchant Fund Express reviews each file on its own numbers. Expect questions about average monthly deposits, how steady they have been across about three months, and whether other advances or loan payments are already coming out of the account. The review is about fit: whether a given amount and repayment structure work for your business without straining payroll or rent. If an offer is made, it arrives in writing with the amount, the total cost and the payment schedule, and nothing moves forward until you sign. If the timing is not right, you can wait and apply later as revenue grows.
For illustration: if your business deposits $110,000 a month and you are weighing a $90,000 expansion, write down the expected return and the month it starts. Comparing that against any offer's repayment schedule tells you quickly whether the deal fits your plan.
No. Business funding on this site is provided through our partner Merchant Fund Express.
No. The services are separate, and credit repair is not part of the funding decision.
A 5-minute application, a soft credit pull, and about three months of business bank statements.
Visit merchantfundexpress.com, or start the application here to see your options.
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