Why we partnered instead of doing it ourselves
Our clients kept telling us the same thing. The business was doing well, sometimes very well, and the personal credit report had not caught up. Waiting a year for credit work to settle before taking on a big contract or covering a seasonal dip was not an option for them.
Eagle Credit Repair is not a funder, and we did not want to pretend to be one. So we chose a partner whose process is built around business revenue: Merchant Fund Express.
Who does what
| Eagle Credit Repair | Merchant Fund Express | |
|---|---|---|
| Service | Credit repair | Business funding |
| Focus | Your personal credit report | Your business revenue and deposits |
| Decides funding offers | No | Yes |
The services are separate. You can use either one without the other.
What Merchant Fund Express offers
- Funding from $25,000 to $5,000,000.
- Funding in as little as 24 hours for qualified businesses.
- FICO 500 and up considered.
- About three months of business bank statements; no tax returns required.
- A five-minute application that starts with a soft credit pull.
- Sole proprietors can apply.
Products include working capital, merchant cash advances, business lines of credit, and equipment financing.
Who the partnership is built for
Established businesses doing $60K or more a month. Owners who built a roofing company on commercial reroofs, a pharmacy with two locations, or a wholesale bakery supplying grocery chains, and whose personal score still reflects an old setback. The partner looks at how the business performs today.
Keeping the lines clear
We want to be direct about a few things. Repairing your credit is not a requirement for applying. Taking on funding does not improve your credit score. And credit repair work does not decide whether a funding file is approved. Those are separate decisions made in separate places.
What we can say is that you do not have to choose one or wait on the other. You can apply for funding now based on revenue while working on credit separately.
How to apply
Use our funding application. It routes your information to Merchant Fund Express for review. To understand the steps first, read how business funding works.
Frequently asked questions
Is Eagle Credit Repair the funder?
No. Funding is provided through our partner, Merchant Fund Express. Eagle Credit Repair provides credit repair as a separate service.
Do I need to be a credit repair client to apply for funding?
No. Anyone running an established business can apply, whether or not they use our credit services.
Will my credit repair progress affect a funding decision?
Funding decisions are made by Merchant Fund Express based on its own review, which leans heavily on business bank statements.
Where do I apply?
Through the funding application on this site, which sends your file to Merchant Fund Express.
Can a sole proprietor work with Merchant Fund Express?
Yes. Sole proprietors can apply, and the same review of business deposits applies to their files.
Why not just wait until my credit is repaired?
Some owners prefer to, and that is a reasonable choice. Others have a contract, a payroll, or a seasonal window that will not wait. Since the services are separate, you can decide on funding based on what the business needs right now.