Merchant Fund Express
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How can B2B businesses fund marketing that wins clients?

Fund campaigns with a clear cost per lead and a sales cycle shorter than the funding term. Long B2B cycles fit lines of credit better than lump sums.

Check my options

Running the business

Funding marketing when your customers are other businesses

B2B sales cycles are long and deals are large, so marketing often has to be paid for months before the revenue arrives. That gap is the part funding can cover.

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

500 credit minimum

You can apply at 500; stronger credit opens more products.

Real underwriters

A human reads the file, not just an algorithm score.

Buyouts up to $100K

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

Lines of credit too

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

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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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

A B2B campaign might include trade shows, a sales hire, targeted ads, case studies and a better website. The costs land up front, while signed contracts and first invoices may take 60 to 120 days, and then customers often pay on net-30 or net-60 terms. Working capital bridges that delay so the campaign does not drain the cash you need for payroll.

Size the funding to the campaign budget plus the gap until the first new invoices are paid. Then estimate conservatively: if you expect two new accounts at a given annual value, what profit do they add per month, and does that cover the payment before the term ends? If the answer depends on landing many accounts quickly, the campaign is too big for short-term money.

Once invoices start coming in, invoice financing can take over from working capital, turning those receivables into cash as you grow. Track cost per qualified lead and cost per closed account so the next round of marketing is funded from results rather than estimates.

A worked example

Here is a payback check for a B2B marketing push, where revenue lags the spend by a few months. Illustrative numbers.

Funding for the project$50,000
Total payback (factor 1.30)$65,000
Term~48 weeks
Payment per week$1,354
Monthly payment the project must cover$5,864
Your estimate of added monthly profit$12,000
VerdictPays back within the term

Illustrative. Replace the estimate with your own numbers before applying.

B2B marketing costs and when they pay back

Trade showsLeads now, contracts in 2–6 months
Sales hireRamp of 3–6 months
Targeted adsLeads within weeks
Case studies and websiteLong-term credibility
Account-based outreachFewer, larger deals

Who this fits — and who should wait

Good fit:

Probably not yet:

Related questions

Frequently Asked Questions

Can I use a merchant cash advance for B2B marketing?

Yes, but because B2B revenue arrives slowly, make sure the payment can be covered from current revenue while new deals close.

Is invoice financing better for B2B businesses?

It is often a good fit once invoices exist, since it advances money customers already owe. It does not fund the marketing before the sale.

How do I estimate the return on a trade show?

Multiply expected qualified leads by your close rate and average profit per account, then compare with the full cost of attending.

Should I hire a salesperson with funded money?

Only if current revenue can carry the salary and payment during the ramp-up period, typically several months.

What do funders look at for B2B companies?

The same core items: deposits, balances, existing payments and time in business, plus customer concentration if one client dominates revenue.

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

Example uses for illustration only.

How to improve your chances

Before you apply:

  • Budget the campaign plus the payment gap
  • Use conservative close rates
  • Track cost per closed account
  • Switch to invoice financing once invoices flow

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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