Merchant Marketplace connects small businesses, funding partners and investors through a technology-enabled platform with published underwriting tiers for a wide range of merchant profiles.
Quick answer · Last verified: September 16, 2026
Merchant Marketplace funds merchant cash advances from first through sixth position using published tiers: first position needs about 2 years in business, stronger credit and $75K+ monthly revenue; later positions need 1 year, 520+ FICO and roughly $20K+ monthly revenue; a smaller high-risk tier needs 1 year, 550+ FICO and about $10K monthly. Underwriting is advertised in 1–2 hours.
| Criterion | Published figure | Best fit |
|---|---|---|
| Product | Merchant cash advance, 1st–6th position | Merchants with existing advances |
| Time in business | 1–2 years by tier | Established operators |
| Credit floor | 520–700+ by tier | Sub-prime to prime, position-dependent |
| Monthly revenue | $10K–$75K+ by tier | Small to mid-size deposits |
| Speed | 1–2 hour underwriting advertised; same-day funding possible | Urgent files |
| Documents | Signed application + 4 months of bank statements | Brokers with complete packages |
Related: Merchant cash advance guide · Best funding for bad credit · Lender directory
Merchant Marketplace connects small businesses, funding partners and investors through a technology-enabled platform with published underwriting tiers for a wide range of merchant profiles.
Merchant Marketplace stands out for its detailed public ISO guidelines, broad position appetite and structured digital submission experience.
| Topic | Guidance | Basis |
|---|---|---|
| First-position tier | Published guidance: 2 years in business, stronger credit, $75K+ monthly revenue and stronger average balances. | Public guidance |
| Second–sixth positions | Published guidance: 1 year in business, 520+ FICO and approximately $20K+ monthly revenue. | Public guidance |
| Smaller high-risk tier | Published guidance: 1 year in business, 550+ FICO and approximately $10K+ monthly revenue. | Public guidance |
| Banking profile | Negative days, NSFs and average balances are reviewed by tier. | Public guidance |
| Documents | Application signed within 30 days and at least four months of recent business bank statements. | Public guidance |
| Final approval | Industry, ownership, deposit consistency, existing obligations and current business performance all matter. | Public guidance |
Public partner criteria make initial fit easier to understand.
Programs are publicly described for first through multiple positions.
Underwriting in one to two hours is advertised on complete submissions.
The portal supports documents, offers, updates and submission tracking.
The marketplace model may connect businesses with multiple financing structures.
Published guidelines include a broad list of preferred business types.
For stronger profiles with higher revenue, credit and average balances.
For established businesses with existing obligations and sufficient cash flow.
Shorter-term options for smaller established businesses meeting published minimums.
Potential business loans, equipment funding, lines of credit and other products through the platform.
Complete and sign the business application
Provide at least four recent bank statements
Underwriting reviews business, credit and banking activity
Receive and compare available structures
Complete stipulations and final funding verification
2 years TIB · 680/700+ FICO · $75K+ monthly revenue · 6–12 months
1 year TIB · 520+ FICO · $20K+ monthly revenue · 4–8 months
1 year TIB · 550+ FICO · $10K+ monthly revenue · 50–84 days
Some readers land here with an existing advance — from this provider or anyone else — looking for relief, not new funding. Before adding another position on top (which usually deepens the squeeze), look at consolidation, reverse consolidation, or restructuring at renewal. What's realistic depends on your balance, deposits and position count — we'll tell you honestly which applies.
Explore consolidation optionsThis profile uses current provider pages and neutral public records to explain product fit, qualifications and the application process. Final approval documents control all transaction-specific terms.