Merchant Fund Express
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What should I do after receiving business financing?

Use it for the planned purpose, set aside payments in advance, track the return and review early-payoff options.

Check my options

Cost and offers

The first 30 days after funding arrives

The weeks right after funding arrives decide whether the money produces the result you planned. A simple 30-day routine keeps the funds on purpose, protects the payment schedule and sets up better terms for the future.

As fast as
24 hours

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.

Why owners use Merchant Fund Express

Same-day decisions

A person reviews your revenue, time in business and bank activity, often within hours.

Buyouts up to $100K

Existing balances of $100,000 or less can be bought out.

Clear numbers

Net cash, total payback and payment shown before you sign.

Lines of credit too

Advances, lines of credit and second-position options in one place.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

How it actually works

Day one: confirm the deposit amount matches the agreement, net of any fees, and save the final agreement, payment schedule and funder contact information in one place. Set aside a reserve equal to at least two weeks of payments in the same account the funder debits, or in a linked account you can move quickly.

Days one to seven: deploy the funds on the planned use. Place the inventory order, pay the equipment vendor, start the hire or launch the campaign. Funds that sit idle still carry their cost. If plans changed, document how the money is being used so your records stay clear.

Days seven to thirty: watch collection days. Mark each payment date on your cash calendar, set low-balance alerts and check that each debit clears. If sales come in lower than expected, contact the funder before a payment fails and ask about reconciliation or adjustment under your agreement.

Track the return. Choose one or two measures tied to the funded use, such as units sold from the new stock or jobs completed with the new equipment, and compare them weekly with your plan. This tells you whether to repeat the approach and provides evidence for future funding.

Think ahead. If your agreement includes early-payoff discounts at 30, 60 or 90 days, as some MFE agreements do, note the dates and the savings, and decide whether paying early makes sense if cash arrives faster than expected.

Finally, decline unsolicited stacking offers. Additional advances from other funders during an active agreement can strain cash quickly; if you need more, ask about structured options instead.

A worked example

Here is a funded amount with its payment schedule to track over the first month. Illustrative numbers.

Amount funded$125,000
Factor rate1.25
Total payback (amount × factor)$156,250
Fees deducted at funding (4%)$5,000
Net cash you receive$120,000
Weekly payment over 44 weeks$3,551
Same total as daily debits (~220 business days)$710/day

Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.

First 30 days after funding

Day 1Confirm amount, save agreement, set reserve
Days 1-7Deploy funds on the planned use
Days 7-30Track collection days and alerts
OngoingMeasure return weekly
Before day 30Note early-payoff options

Who this fits — and who should wait

Good fit:

Probably not yet:

Related questions

Frequently Asked Questions

What should I do right after receiving business financing?

Confirm the amount, save documents, set a payment reserve and deploy funds on the planned use.

How big should my payment reserve be?

At least two weeks of payments.

What if sales are lower than expected?

Contact the funder before a payment fails and ask about reconciliation.

Should I accept other advance offers?

Avoid uncoordinated stacking; ask about structured options if more is needed.

Can I pay off early?

Some agreements offer discounts at 30, 60 or 90 days.

Why track the return?

To know whether the strategy worked and to support future funding.

Payroll $25K
Inventory $60K
Equipment $90K
Expansion $150K

Example uses for illustration only.

How to improve your chances

Before you apply:

  • Save the agreement and schedule
  • Set a two-week payment reserve
  • Deploy funds within days
  • Track one or two result metrics

Merchant Fund Express vs. a traditional bank

Merchant Fund Express
Traditional bank loans
Decision time
Same day
Weeks
Credit to apply
500 minimum
Usually much stronger credit
Collateral
Not required for most offers
Often required
Documents
Bank statements and ID
Tax returns, financials, plans
Offers
Multiple funders, compare
One lender

See what your business qualifies for

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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