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A fixed payment is the same amount on every due date.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, we compare structures on total dollars repaid and the rhythm of payments, and we publish our own terms so you can do the same.
A fixed payment is the same amount on every due date. A percentage-of-sales payment is a share of what you take in. One is predictable; the other is forgiving.
| Fixed payment | Percentage of sales | |
|---|---|---|
| Amount | Same each time | Rises and falls with sales |
| Slow month | Payment still due | Payment shrinks |
| Payoff date | Fixed | Varies |
| Best for | Steady revenue and budgeting | Seasonal or lumpy revenue |
An illustration at 10% of sales: These are illustrative figures to show the arithmetic, not an offer; your offer shows the amount, schedule and total cost before you sign.
| Item | Figure |
|---|---|
| A $20,000 week | $2,000 |
| A $10,000 week | $1,000 |
| A fixed payment | $1,500 either way |
Compare any offer on total dollars repaid and the rhythm of payments, not on a single rate. Use the factor-rate calculator and how much can I borrow to test your numbers. The minimum FICO is 500, and the better your credit, the better your offer.
Source: Merchant Fund Express. Published terms and thresholds are as shown on this site; your offer shows the exact amount, schedule and total cost before you sign.
Compare total dollars repaid, not the payment shape. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
Percentage-of-sales is safer in a slow month; a fixed payment is safer for planning. Merchant Fund Express publishes its terms and thresholds before you apply.
Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.
