Answers

Can I get funding if my sales dropped recently? A plain answer.

Possibly. A one-time dip with a clear cause, such as a renovation, weather or a seasonal low, is read very differently from a steady decline. Explain the cause, show recovery if it has started and size the request to current revenue, not last year's.

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Can I get funding if my sales dropped recently?

Key facts

Funders read trends, not single months
Name the cause of the dip in one or two sentences
Ask for an amount based on current deposits
If revenue is still falling, waiting can be wiser

Dip or decline?

Funders read trends. A sharp drop for one or two months with an identifiable cause, followed by recovery, is common and workable. A steady slide over several months raises the question of whether the business can carry a new payment. Being clear about which one you are facing helps both you and the reviewer.

How to present it

Name the cause: a road closure, a lost client, a renovation, weather, a supplier problem.
Show what has changed since.
Include statements that show recovery if it has started.
Ask for an amount based on current deposits.

When to wait

If revenue is still falling, a new payment can make things worse. It may be better to cut costs, renegotiate terms with suppliers or landlords, and apply once the trend has turned. If the money is needed to fix the cause, such as replacing broken equipment, explain that directly.

Where Canadian files usually start

Monthly revenueTypically from around $20,000 a month in deposits for Canadian files. The exact line varies by funder and by file.

Time in businessTypically about 12 months. Newer businesses can be reviewed, but the options narrow.

Account healthLimited low-balance or negative days. Funders read the last few months of bank statements for this.

CreditScores from 500 are considered. A score of 600 or higher opens more options and better offers.

DocumentsA signed application and recent business bank statements, typically the last four months.

Existing advancesFiles with an existing advance can be reviewed, including second position.

If your question is about your own file rather than the general rule, the fastest route to a specific answer is a review. Send a signed application and your last four months of business bank statements, mention this question in a note, and the response will address it directly. You can also call (305) 384-8391 and ask before applying; there is no cost to ask.

Questions owners ask next

How should you size a request after a dip?

Base the amount on what the business deposits now, not on its best months. If the dip is recovering, the most recent two or three months are the honest guide, and a smaller first advance is easier to carry.

Plan the payment against your slowest expected month. If that month would leave the account too thin, take less or wait until the recovery is clearer.

Sources and review

Reviewed by the Merchant Fund Express team on October 12, 2026. Official pages checked as of that date.

Common questions

Will one bad month disqualify me?

No, especially if explained.

Should I wait for a better month?

If recovery is near, waiting can improve the offer.

Can funding fix a decline?

Only if it pays for something that addresses the cause.