Funding for your situation
What it costs to extend operating hours or add a shift and how to fund the payroll ahead of the output.
✓ Checking what you qualify for does not affect your credit score.
A second shift uses the equipment and space you already pay for. The cost is people, supervision and the utilities, and the sales have to follow the added output. It is one of the lowest-capital ways to grow, and it is still a payroll bet paid in advance.
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.
| Cost item | Illustrative amount |
|---|---|
| Second-shift wages (8 weeks) | $38,000 |
| Supervisor and training | $11,000 |
| Utilities and consumables increase | $6,500 |
| Maintenance and tooling reserve | $8,000 |
| Recruiting and onboarding | $4,500 |
| Cushion for overruns and slow early weeks (about 10%) | $7,000 |
| Second-shift launch total | $75,000 |
Sizing check. If the full repayment shown in an offer were $98,000 over about 26 weeks, the weekly debit would be about $3,769. Against illustrative monthly deposits of $110,000 (about $25,385 a week), that is roughly 15% 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.
Wages, overtime and shift premiums.
A lead or supervisor for the new shift.
Higher energy and supply usage.
Equipment wears faster when it runs more hours.
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.
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.
Short-term working capital or a line of credit sized to the ramp period.
Yes. A backlog or purchase order shows the demand that justifies the shift.
Weekly debits are often easier on a business whose revenue arrives in larger invoices.
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.
