Merchant Fund Express
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Big Contract Funding for Ecommerce Brands

Landed a large wholesale or retail order? Get capital for materials, production and freight so you can deliver before the buyer pays.

Fund the Order

Ecommerce Big Contract Funding

Say yes to the order that changes your brand

We size funding around your store's bank deposits, not the buyer's paperwork, so you can commit to production quickly.

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 capital that moves at deal speed

Commit to production fast

5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit is weighed, not decisive

FICO 500+ considered. Steady deposits carry real weight.

Every cost visible

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Payments mapped in advance

The repayment schedule is in your offer up front, so you can line it up with the buyer's payment terms.

Payroll before sales come in?

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 great news until you have to fund it

A national retailer wants your product on its shelves. A corporate buyer orders custom merchandise for a thousand employees. A wholesale distributor places an opening order three times the size of your usual month. These are the deals that change an online brand, and they nearly always arrive with the same problem: you have to buy materials, run production and ship before the buyer pays, often on net terms that stretch well past your normal payout cycle.

Funding for a big contract in ecommerce covers that gap so you can say yes and deliver on time.

What the money typically covers

How we review a contract-driven request

We do not underwrite the contract itself. We look at your business: about three months of bank statements, the steadiness of your deposits and any existing obligations. That keeps the process fast. The application takes about five minutes, starts with a soft credit pull, and does not ask for tax returns. FICO 500+ is considered. For qualified businesses, funding can arrive in as little as 24 hours, which helps when the buyer needs a production commitment this week.

Matching repayment to the payment terms

Before you accept, compare the repayment schedule in your offer against when the buyer actually pays. If the retailer pays on long net terms, make sure your regular store revenue can carry payments in the meantime. Working capital is a common fit for a single large order. If you expect repeat orders from the same buyer, a line of credit can cover each production cycle as it comes.

Protecting your margin

Large buyers negotiate hard. Before signing, total your landed cost per unit, including packaging requirements, chargebacks for late or mislabeled shipments and freight. Add the cost of capital from your offer. If the deal still makes sense, apply now so funding is ready when production starts.

Frequently Asked Questions

Do you need a copy of the contract or purchase order?

No. We review your business bank statements and deposit history. The order details help you choose the right amount.

Can I use funding to fill a retail or wholesale order?

Yes. Materials, production, packaging, freight and temporary staffing for a large order are all common uses.

The buyer pays on net terms. Is that a problem?

Net terms are common with big retail and wholesale accounts. Check the repayment schedule in your offer against the buyer's payment timing before you accept.

How fast can I get funds for production?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

How much can I request?

Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Does a big order from a well-known retailer help my review?

The order itself is not what we underwrite. Your steady deposits and existing obligations drive the review, though a strong order can help you plan repayment.

Production run $110,000.00
Retail packaging $24,000.00
Freight to DCs $18,500.00
Temp packers $14,000.00

Example uses for illustration only.

How to improve your chances

Big orders go smoother when the basics are buttoned up.

  • Calculate landed cost per unit before you sign
  • Read the buyer's chargeback and labeling rules
  • Confirm production lead times in writing
  • Keep your regular channels stocked during the push

Big order funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
What we review
Your bank deposits
Contract, financials, collateral
Paperwork
No tax returns required
Tax returns and statements
Speed
As little as 24 hours if qualified
Often too slow for the deal
Credit
FICO 500+ considered
Higher scores expected
Start
Soft credit pull
Hard inquiry common

Deliver the big order on time

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

Apply for Funding
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