Funding for your situation
What it costs to add a second revenue line to a service business and how to size the request.
✓ Checking what you qualify for does not affect your credit score.
A new service line sells to customers you already have, which is why it works. It also needs equipment, training and marketing before the first invoice. The best additions reuse existing staff and space and earn their first dollars within a few weeks.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
| Cost item | Illustrative amount |
|---|---|
| Equipment or certification | $22,000 |
| Training and onboarding | $6,500 |
| Marketing to existing customers | $5,500 |
| Insurance and compliance | $3,500 |
| Ramp-up cash cushion (8 weeks) | $15,000 |
| Cushion for overruns and slow early weeks (about 10%) | $5,000 |
| New service line total | $57,500 |
Sizing check. If the full repayment shown in an offer were $75,000 over about 26 weeks, the weekly debit would be about $2,885. Against illustrative monthly deposits of $60,000 (about $13,846 a week), that is roughly 21% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
The assets and certifications the new service needs.
People who can deliver it well.
Telling the customers who already trust you.
The weeks before the line pays for itself.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Applying with Merchant Fund Express is a single application. We review it the same day on a complete file, explain what the numbers say in plain terms, and fund typically the next business day after signing. Nothing here affects your credit score to check.
Equipment financing for the assets and working capital for the ramp is a common pairing.
Yes. A small pilot makes the request more credible and often smaller.
Not usually, but if it brings a regulated activity, tell us; eligibility varies by industry and file.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
