Merchant Fund Express
(305) 384-8391Apply

How do I build a business growth plan in 5 steps?

Set one measurable goal, find what limits it today, price what removing that limit costs, decide how you will pay for it, and track the result monthly. Capital should follow the plan, not lead it.

Check my options

Growth

A growth plan a funder can actually follow

A growth plan does not need forty pages. It needs one goal, one constraint, a price for removing it and a way to see whether it worked.

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

Clear numbers

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

Same-day decisions

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

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.

Cash flow tight this month?

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

Step one is a measurable goal, such as adding a second shift or 30 more weekly orders. Step two is naming what blocks it today: equipment, staff, inventory or marketing reach. Step three is pricing that fix with real quotes.

Step four is checking that the fix pays back inside the funding term, and step five is a monthly checkpoint. Funders reviewing revenue-based files mostly read your bank statements, but a short written plan helps you request the right amount and explain it on the call.

Keep the plan where you will see it: one page with the goal, the fix, the cost, the payment and the checkpoint date. At each monthly checkpoint compare actual added revenue with the estimate. If the project is behind, slow new spending and protect the account balance so the payment never pushes you into negative days.

A worked example

Use this check to see whether a growth project covers its own payment before the term ends.

Funding for the project$100,000
Total payback (factor 1.30)$130,000
Term~26 weeks
Payment per week$5,000
Monthly payment the project must cover$21,650
Your estimate of added monthly profit$20,000
VerdictDoes not pay back in time — reduce the amount or rethink

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

The five steps at a glance

1. GoalOne number with a date
2. ConstraintWhat stops it today
3. PriceQuotes for the fix
4. PaybackAdded profit vs. total cost
5. CheckpointMonthly review of the result

Who this fits — and who should wait

Good fit:

Probably not yet:

Related questions

Frequently Asked Questions

Do funders ask to see my growth plan?

Revenue-based funders rarely require it, but explaining the use clearly helps size the offer. Banks and SBA lenders usually do want a written plan.

How detailed should the numbers be?

Use real quotes and a conservative estimate of added profit. Round numbers are fine if they are honest.

What if the project takes longer than the term to pay back?

Then reduce the amount, look for a longer-term product, or phase the project so the first stage funds the next.

Can I fund several growth steps at once?

You can, but each one should earn its share of the payment. Funding the strongest step first is usually safer.

What is a reasonable payback period for growth funding?

For most revenue-based funding the term runs from several months to about a year and a half, so the project should add enough profit to cover the payment within that window.

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

Example uses for illustration only.

How to improve your chances

Before you apply:

  • Get two quotes for the fix
  • Estimate added monthly profit conservatively
  • Compare it with the monthly payment
  • Set a 30-day checkpoint

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
Apply NowCall