Merchant Fund Express
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Big Contract Funding for Clothing Stores

Uniform, team or corporate order on the table? Buy goods and decoration now. Funding in as little as 24 hours for qualified stores.

Fund My Order

Large order funding for apparel

Say yes to the order that makes your year

Large apparel orders need cash before the customer pays. We help clothing stores cover goods, decoration and labor so they can deliver on time.

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.

Contract funding that keeps pace with the order

Fast and light

5-minute application, about three months of bank statements. Funding in as little as 24 hours if qualified.

Credit flexibility

FICO 500 and up considered. Deposits matter more than a single score.

Total cost up front

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Fixed plan

Your repayment schedule is in the offer up front, so you can plan around the customer's payment date.

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.

A big order is good news with a cash problem

Plenty of clothing stores do more than walk-in retail. A school asks for uniform packages. A local company wants branded polos and jackets for every employee. A league needs team apparel for the season. These orders can be the best revenue of the year, but the store has to buy blanks, pay for decoration, and often add hours before the customer pays. Funding for a big contract covers that stretch so you can say yes.

What the money typically covers

How funders weigh a contract opportunity

The contract itself is helpful context, but funders mainly look at your business bank deposits and existing obligations. Steady deposits show the store can handle repayment even if the customer pays late. Bring about three months of business bank statements. No tax returns are required, FICO 500 and up is considered, and sole proprietors can apply. Start with our 5-minute application; a soft credit pull gets it moving, and qualified stores can be funded in as little as 24 hours.

Products to consider

For a single large order, working capital is often the simplest fit. If you take contract work regularly, a business line of credit can cover each order as it comes. Stores that want repayment tied to sales sometimes compare a merchant cash advance. If the job needs an embroidery machine you plan to keep, look at equipment financing. Your offer shows the full repayment amount and schedule before you accept.

Protect yourself on the contract side

Get the order in writing with sizes, quantities, delivery date and payment terms. Ask for a deposit from the customer if you can. For illustration, a $90,000 school uniform order with a 30-day payment window might call for around $50,000 in funding to cover goods and decoration, with the customer's deposit covering part of the rest.

Frequently Asked Questions

Do I need to show the contract to apply?

It helps explain the request, but the review relies mainly on your bank deposits and existing obligations.

Can the funds pay my embroidery or print vendor?

Yes. You can use funding for decoration, goods, labor and other costs tied to the order.

How fast can I get started on the order?

Qualified businesses can be funded in as little as 24 hours.

What if my customer pays late?

Your repayment schedule is set in the offer regardless of when the customer pays, so plan for some delay.

What credit score is considered?

FICO 500 and up.

Can I take on several contract orders at once?

You can, as long as your deposits and existing obligations support the total repayment. Stagger delivery dates where possible, and avoid letting large orders crowd out the regular inventory your walk-in shoppers expect to find.

Uniform blanks $28,000.00
Embroidery $14,000.00
Team jerseys $22,000.00
Extra labor $7,500.00

Example uses for illustration only.

How to improve your chances

These habits make contract work safer and easier to fund.

  • Get every large order in writing with payment terms
  • Request a customer deposit on big orders
  • Confirm vendor lead times before committing to a date
  • Keep contract revenue in your main business account

Contract funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Formal loan file
Documents
Bank statements, no tax returns
Tax returns required
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Order date may pass
Sole proprietors
Can apply
Often a harder fit

Land the big order and deliver it

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

Apply for Funding
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