Don't have a United MileagePlus® Account?

It's free and easy to join. Sign up today and start earning miles.

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How Does It Work?

1. Apply

Start the qualification process (advances over $20,000)

2. First Payment

After our agents review your application and approve you for an advance, you can start making payments.

3. Bonus Mileage

You can earn 10,000 bonus award miles.

United MileagePlus Award Miles

Earn 10,000 United MileagePlus bonus award miles with any qualifying Merchant ReFi advance.

Apply Now

Merchant ReFi is the only Funding Company to offer a comprehensive Rewards Program with fast working capital.

Get an advance, consolidate your debt or refinance your current advance and earn 10,000 United MileagePlus bonus award miles.

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The United MileagePlus miles earned by funding with Merchant ReFi can only be received by the persons signing the agreement for funding. The name of the recipient(s) must match the name of the persons signing for the agreement, and the miles may not be earned by any other persons within the respective organization. The miles will be earned by the recipient(s) one time for completing funding, and will be sent out within 6-8 weeks of funding. If there are any questions about this please contact Merchant ReFi support at (844) 737-7334, and not United MileagePlus.

Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus program, including without limitation the Premier® program (the “MileagePlus Program”), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United® may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to