Merchant Fund Express
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Funding for a Commercial Space Remodel

Refresh your storefront, dining room, salon or office. We fund established businesses from $25,000 to $5,000,000 for build-outs, fixtures and equipment.

Plan My Remodel

Commercial Remodel Funding

Upgrade the space without draining operating cash

Remodels hit your account hard and can slow sales while the work is underway. We size funding around your deposits so payroll and suppliers stay covered.

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 fund remodels with us

Quick application, few documents

A 5-minute application and about three months of bank statements, no tax returns. Funding in as little as 24 hours for qualified businesses.

Credit read alongside deposits

FICO 500 and up is considered. Your bank activity and obligations carry weight in the decision.

The full cost up front

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

A schedule built into the offer

Repayment is laid out in the offer up front so you can plan around construction and reopening.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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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 remodel is an investment that interrupts revenue

Updating a storefront, restaurant dining room, salon, clinic, gym or office can lift sales for years. The catch is that you pay contractors, buy fixtures and sometimes close sections of the business while the work happens. The money goes out fast and revenue can dip until you reopen.

We provide working capital and equipment financing to established businesses remodeling the commercial spaces they operate from. Funding ranges from $25,000 to $5,000,000, and the application takes about 5 minutes. This page is about commercial spaces your business runs in, not residential remodeling projects.

How funders weigh a remodel request

The review centers on your operating business, not the finished space:

None of these on its own decides the outcome. Funders look at how they fit together.

Splitting the project across the right products

Remodel costCommon fit
Contractor labor, permits, paint, flooringWorking capital
Ovens, chairs, lifts, display casesEquipment financing
Change orders and surprisesBusiness line of credit
Payroll during partial closureWorking capital or line of credit

Pairing a lump sum with a business line of credit is a practical way to handle the overruns that almost every build-out has.

Before you start demolition

Get written bids, confirm your lease allows the work, and build a buffer into your budget for change orders. Plan any closures for your slowest weeks if you can. No tax returns are required to apply, sole proprietors can apply, and funding can arrive in as little as 24 hours for qualified businesses, so you can line up money once the contractor has a start date.

Frequently Asked Questions

Can I get funding to remodel a space I lease?

Yes, businesses that lease their space apply regularly. Check that your lease permits the work. The review focuses on your business's deposits, obligations and credit.

Do you fund residential remodeling?

This page covers commercial spaces your business operates from. We do not promise funding for residential remodeling projects.

What if the remodel slows my sales for a while?

Plan for it. Funders look at your current deposits, so a clear timeline and a budget buffer help you choose an amount and repayment schedule you can carry through the construction period.

Can I finance new equipment as part of the remodel?

Yes. Equipment financing can cover fixtures and machines, while working capital covers labor, materials and other build-out costs.

How much can I get for a commercial remodel?

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

Will I see the full repayment amount first?

Yes. Your offer shows the full repayment amount and schedule before you accept, and no surprise costs are added after you sign.

Build-out labor $85,000.00
New fixtures $32,000.00
Flooring $21,000.00
Signage $7,500.00

Example uses for illustration only.

How to improve your chances

Owners who prepare these items tend to size remodel funding more accurately.

  • Collect at least two written contractor bids
  • Confirm your lease allows the planned work
  • Add a buffer for change orders to your budget
  • Schedule closures during your slowest weeks

Remodel funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes online
Lengthy forms and appraisals
Documents
About 3 months of statements
Tax returns, plans, financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks to months
Leased space
Can apply
Often wants real estate collateral

Start your commercial remodel with funding ready

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

Apply for Funding
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